Tag Archives: Christian credit counseling
Seeking Support From Christian Debt Counseling Organizations
The number of Christians that are looking at bankruptcy or foreclosure are at an all-time high. We could site many causes of this however the biggest reason is uncontrolled spending. We know there’s also circumstances we have no control over such as an unforeseen sickness or a death in the family or a job layoff. This is when it is a good idea to explore Christian debt counseling.
Counseling (Self-instructional supplemental credit)
These are counselors who are caring advisers willing to help without expecting anything in return. They will give you assistance in reducing your debt, paying off all your credit cards in a short period of time and give you the tools to control your financial situation and to help you get back on track.
Some of us have never considered setting up a budget plan or even know what one is. Budgets help you see clearly where your money is being spent. It allows you control the flow of money going out and to make changes where necessary. It will also allow you to pay off all that accumulated debt faster. A Christian debt counseling service can help you with that
We live in a society that encourages us to spend now and worry about how we will pay for it later. In the mail credit card companies draw us in with low interest and little or no monthly payments. And leaves us shocked when we soon discover we are in debt way over our heads. Keeping track of what we spend by using a budget keeps our out of control spending in check.
Christian debt management services will advise you if you’re living within or above your means. Before the widespread use of credit cards, it was easy to see if you were living within your means because you had money left over after paying all your bills. The use of credit cards has made this much less obvious. The best advice you will receive will be to stop using your credit cards.
Christian credit counseling teaches you to live according to God’s guidelines, not the world’s. Our provision for each and everyday should be left in His hands. He will make you aware of areas to save and spending to avoid. By cutting back on your daily Starbuck’s consumption, eliminating those costly lunches at the corner diner and quitting smoking can save hundreds of dollars each month.
The bottom line is to be satisfied with what you have. We do not have to have the latest model car, that new Jacuzzi tub, or a high tech kitchen. In Paul’s letter to Timothy he says; “Godliness with contentment is great gain.” …. “And having food and clothing, with these we shall be content. But those who desire to be rich fall into temptation and a snare, and into many foolish and harmful lusts which drown men in destruction and perdition.”
I Timothy 6: 8-9
Tags: Christian debt counseling, high tech kitchen, Monthly Payments, Self-instructional supplemental credit
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What The Bilble Says Concerning Christian Debt Counseling
“Then the lord of that servant was moved with compassion, and loosed him, and forgave him the debt.” Matthew 18:27
Counseling (Self-instructional supplemental credit)
Is debt biblical? It is not a sin to be in debt but the Bible does speak a lot about being good managers of what we have been blessed with. The greater sin is being too prideful to admit your condition and your current financial condition and seek help or advice. There are Christian debt counseling centers to help with Christian debt removal. The sooner help is sought the sooner obligations and debts can be controlled and brought under control. It is a humbling experience to go through, but others share this same experience. We gain from our trials] to better wait on the Lord and to reinforce our faith. If you have a financial situation do not hesitate to seek a Christian debt counseling solution because someday you may be able give spiritual or financial help to a fellow Christian, friend or co-worker.
“The rich rule over the poor, and the borrower is servant to the lender.”
Proverbs 22:7
We are called to be good stewards of our money. Sometimes we see ourselves in debt for perfectly legitimate reasons. There could be an illness, rendering you unable to work. In these precarious times, we are seeing more and more people being laid off or hours cut substantially. There are regular monthly payments that are due and we may find we do not enough to pay them. Sometimes credit cards are used to pay bills and the debt begins to build. It can become overwhelming and a Christian debt counseling service may be needed.
Pray First
“Therefore I tell you, whatever you ask for in prayer, believe that you have received it, and it will be yours.” Mark 11:24
Take everything to the Lord in prayer. Does this mean everything you pray for will be given to you? The Lord always responds to our prayers, not in the way we may have expected or in the same time frame we expect. Jesus prayed when He was on earth. He prayed while in the desert and also he prayed in the Garden of Gethsemane. Jesus prayed that the cup He was about to partake of be taken from Him. He still had to go through what He was sent to do, die for our sins and transgressions. We may still have to prevail some trials for the situation we are in, but He has promised to take care of us.
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Take Care Of Your Finances With Christian Debt Counseling
Thousands of Christians these days are dealing with some type of financial crisis. You will find numerous reasons for this, some are which are beyond their control. Things such as a personal ailment, loss of job, or maybe a family members sickness or death, however for most it can be just basic over spending. Any time an economic situation strikes it really is advisable to look for assistance from a Christian credit counseling company.
Counseling (Self-instructional supplemental credit)
These kinds of counselors are normally qualified experts willing to help with out expecting anything at all in return. They will give you guidance in lowering your debt, paying off any charge cards in a quick time frame and also supply you with the methods to control your finances and help you go back on track.
A Christian debt counseling program can help you setup a financial budget program. This is a graph and or chart which tracks your movement of money. Using this type of graph you will observe areas of spending too much money and this consequently assists you make modifications. This makes it possible of saving more money plus pay your payments off quickly.
All of us reside in a society that stimulates us to pay money right now and then worry about how we’ll pay for it later. Using the mail, credit card companies draw us in with low interest plus little or no monthly payments. That results in us being surprised whenever they realize they’re in financial debt way beyond thier means. Monitoring what we should spend by using a budget keeps our unmanageable spending in check.
Christian debt management services will enable you to to handle your expenses so that you’ll be living within your means.. Before the popular use of charge cards, it had been easy to see when you were living within your budget because you had money remaining after settling all of your expenses. The usage of charge cards has made that a lot less clear. The best advice you’ll receive will be to stop using your charge cards
Altogether.
Christian counselors will encourage you to seek out God’s strength to help you manage your emotions and desires so that you will never waste money needlessly. Ask God to help you keep an eye on on what you are expending everyday. Ask Him to reveal to you areas enabling you to simply scale back. Before you buy, pray and determine that you truly need it. Take your own lunch to work and fight the desire to pick up that latte for the early commute. Carefully go over your month-to-month charges,to find out if there are expenses which can be cut.
The end result is to become satisfied with that which you have.
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Credit Counseling & Debt Management 4
The 4th in a series of educational videos from the MoneyHarvest Institute. We help change lives for the better and empower people to have Prosperity Thinking. More about us and our non-profit Christian Credit Counseling Services at www.cccfree.org
A third (31 per cent) of people seeking statutory debt solutions are still getting harassed by creditors, even though there are procedures in place to prevent that happening. Of this number, nearly a half (44 per cent) have filed for bankruptcy, whilst a quarter are in an Individual Voluntary Arrangement (IVA). The figures from R3, the insolvency trade body, also show that a similarly high number (44 per cent) of people in more informal Debt Management Plans (DMPs) are still being chased by the people they owe. Steven Law, the president of R3, says it is astounding that people are still being harassed, even though they should be protected. He remarked: The decision to file for bankruptcy is a difficult one that, once taken, is meant to stop the endless contact from creditors. That such a large proportion of bankrupts are not afforded the peace of mind they are entitled to is of grave concern.” Kevin Still, director of Atlantic Financial Management, says: “One of the fundamental roles of a Debt Management Company, like Atlantic Financial Management, is to protect their client from on-going creditor collection activity once they start their Debt Management Plan (DMP). “The OFT Debt Collection Guidance provides clarity on what a lender or their debt recovery agent can do once a debt advisor is appointed.”
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