Managing your personal finances isn’t always a simple thing to do. Whether you are trying to pay off a credit card debts, resolve your federal student loans, or save for retirement, it can be hard to know where to start. There are countless websites and television programs discussing the topic, many of which contradict each other. When trying to decide where to start your Christian debt management journey, it is important to remember the greatest tool of all when seeking advice, His word.

“Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it?”– Luke 14:28

Take the time to lay your debt all out on the table and budget accordingly. Know when you can count on income coming into the home, and know when all of your payments are due. Are there any due dates that you can request be changed to a different time of the month? You’d be surprised to see what you can work out with a payment department when you simply ask for help.

“The rich rule over the poor and the borrower is slave to the lender.”– Proverbs 22:7

No one wants to feel as if they are a slave to their debt. To make yourself feel as in control of your finances as possible you need to have a plan of action to resolve your debts. That plan of action might start with calling credit card companies to request a lower rate. Maybe your situation is past that, and you should consider a Christian debt settlement program through FaithWorks Financial. No matter how you do it, take control of your finances and don’t let yourself and your family become a slave to the lender.

“Ask and it will be given to you; seek and you will find; knock and the door will be opened to you.” Matthew 7:7

In order to avoid losing control of your finances it is a good idea to seek out help from a Christian credit counselor. For many Christian Americans the last thing you want to do is file for bankruptcy. If you are feeling too overwhelmed and need to seek outside help you should do so. You may be able to get a referral from your pastor or other church leaders for help with Christian debt counseling, or you can request a free consultation with a Christian Debt Advisor at FaithWorks Financial.

“For I know the plans I have for you, declares the Lord, “plans to prosper you and not harm you, plans to give you hope and a future.”– Jeremiah 26:11

Regardless as to how grim your situation may seem at the moment, you can be confident in knowing that God has a plan for you. Your current financial situation may be difficult or frustrating, but much peace can be found in knowing that your burdens have meaning. The Lord wants you to have a bright and happy future without the limitations of debt. If you follow His word and have a plan of action you will be able to conquer any obstacle.