Christian debt management is all about making changing in the present. In order to get out of debt major spending and behavioral changes must take place in your heart and mind. Every dollar you spend must be considered and accounted for in order to make a Christian debt relief program work. You may find your mind swirling with information and choices every day and all of these things are focused on right now, changing things right now in your financial life. While you are in the throes of this major life adjustment you will see commercials are hear people talking about “planning for the future.” These moments may have you thinking, “I’m just trying to survive right now! I can’t think about the future!” You may not realize it, but if you have sought out Christian debt help, you are securing your future in more ways than you might imagine.

Focus on the Near Future

Thinking about the future can add a new level of anxiety to what you are already feeling concerning your debt. At this point in your life you may not be able to shovel huge amounts of money into IRA or other investments for your “future” or retirement, however that does not mean that you are wasting your time. One of the greatest steps you can take toward your future financial security is to establish an emergency fund. One large scale emergency can ruin a financial plan for years to come. This is why it is so important to have this cushion to float you through an emergency situation. Establishing an emergency plan is planning for the future.

Focus on Behavioral Changes

During your Christian debt settlement program you are doing more than simply getting out of debt. You are revolutionizing the way you approach money. This reprograming of your brain will serve you well all the days of your life, especially during retirement. If you do the work now of reigning in your spending habits and reprograming your financial mindset you will find that you could possibly live off of less retirement than most financial planners will suggest. Our financial success is not dependent on how much money we have. Our financial success is dependent on how we use the money we have.

Focus on the Big Picture

You could head into retirement with gobs of money sitting in an IRA, but how helpful will that be if you also head into retirement followed by a lifetime of unpaid debts and poor money management habits. It would be far better to enter your golden years with a little less set aside but debt free. Of course if you can do both that is the ideal. However, stressing yourself out over “the future” will only make you begin to second guess yourself and your current choices. You are working hard for your future now. You are learning skills and making changes now that will make a huge impact on your retirement years. You may even have the opportunity to save your own children from making some of the poor choices you made as a younger person. All of these are valuable investments in the future. Do they translate into dollar signs? Perhaps not technically, but in the long run they will translate into true wealth and ongoing stability.