DAY 8

FREEZE CREDIT SPENDING

The Bible contains more verses about money than it does about Heaven and Hell combined. Why? Because God created us and knows the role that money plays in our lives.

But across all 2,350 verses about money, not one of them says that borrowing, or being in debt, is forbidden. The Bible does not contain a direct mandate to never borrow money. It does, however, clearly indicate that borrowing comes with burdens and negative consequences.

Scripture is clear that while debt itself may not be sinful, it’s also not God’s best for His people. This is because when we choose to borrow money, we are putting our trust and confidence in a credit card or a lender instead of in Christ. As it says in Proverbs 22:7, The rich rules over the poor, and the borrower becomes the lender’s slave.

Borrowing can easily turn into a habit or cycle very quickly, pulling us further away from the Lord and the freedom He offers.

Today's action item:

For the remainder of this reset, freeze your credit spending. Credit cards, like sugar, are not inherently wrong. But they have to be used in moderation, and it's healthy to break any emotional or financial bond you have to them.

So give your credit cards to a spouse, accountability partner, friend, or put them in the freezer for the next few weeks. Write down who you’re giving them to or how you’ll resist using them in your journal or 30 Day Snapshot.

Think of it like fasting from your credit cards – every time you’re tempted to use one, remember your purpose as a steward and thank Christ for the sacrifice He made to give you freedom. Since you have an established budget already, you shouldn’t need to rely on them to make it to the end of the month.

If you decide to continue using credit cards at the end of your 30 Day Reset, remember to always follow these guidelines:

Never carry a balance. Pay them off every month in full.
If you don’t pay it off at the end of one month, don’t use it again until you have paid it off completely.
Only use one card.
Don’t use it “in case of emergencies”. Save diligently to cover all emergency expenses.
Choose a card with good cash back rewards, frequent flyer miles, or other perks.

HELPFUL RESOURCES

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