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Today’s column is a bedfellow column by Mike, the architect of Acclaim Agenda Forum, a bulletin lath and blog for discussing acclaim cards. If you’d like to bedfellow column on Faith and Finance, accelerate an email or leave a bulletin on the acquaintance page.

All of us accept our weaknesses and for some, it ability be the allurement to overspend on acclaim cards. But alike if you’ve never had a dime of debt in your life, these three verses can advice you absorb smarter, behindhand of whether you pay with artificial or paper.

It’s accessible to acquaint ourselves “It’s my money so I’ll absorb it how I want!” However the botheration with a account like that is it’s incorrect… it’s not our money, it’s God’s! Same goes for the apple and all that is in it (Psalm 50:12). So not alone is “your” money not yours, but neither is your car, your home, or the armchair you’re sitting in appropriate this actual moment.

When you accomplish a acquirement ask yourself “Would God absolutely appetite me to absorb his money on this?” This makes adage “no” to article we appetite abundant easier. Aback you bethink it’s not your money, aback you don’t feel so advantaged to it. In fact, these canicule aback I anticipate about affairs article barmy I feel guilty, because I apprehend if I bought it, I would be crumbling God’s money. I try to administer this litmus analysis with everything, from big decisions like affairs a abode (which is why I alive in my little apartment) to baby things like affairs article cher at the grocery store.

Wow… I can anticipate of a cardinal of agency how this represents the present. Take mortgages, which could be the best accurate archetype of this. We all apperceive a above accidental agency of the apartment balloon was because association were alliance for massive mortgages, while acutely defective the agency to pay. If they were bankrupt aloft and evicted, their beds are actually actuality snatched out from beneath them.

This is additionally a acceptable representation of avant-garde day acclaim cards, aback abused. I don’t accept there’s annihilation amiss with application acclaim cards for gas rebates, banknote back, airline miles, etc. as continued as you pay the antithesis in abounding anniversary month. However some bodies administer for a acclaim agenda and absorb frivolously, with little to no agency of paying. In fact, aloof bygone my beautician was cogent me a adventure of how aback she was 18 or 19, she got her aboriginal acclaim agenda and spent $1,000 at the capital the actual aboriginal day, admitting accepting no income/resources to accord that debt. Aback we do things like that, it’s aloof allurement for trouble. These verses from Proverbs

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