Debt Doesn't Have To Be Your Portion

According to Merriam Webster Dictionary DEBT is  "a state of being under obligation to pay or repay someone or something in return for something received : a state of owing"

No one on this earth wants to be under the spell of debt, the scourge of being taunted all the time that you owe this or that. One of the greatest forms of slavery in this modern day and era is financial slavery which comes through borrowing. This is coming about because people have a big appetite for luxuries, they want to own 5 fleets of cars, yet they can only drive one at a time, they want to build many homes to stay in yet they can stay in one instead of building for rentals so that they can make income out of it. The good debt would be the one you get to put in an income generating asset but normally we get debt to consume, buy luxuries etc.

We live in a fast paced world where people want things in an instant, talk about quick money (Proverbs 13:11), students have ended up betting their tuition fees with the hope that they will make more money and pay later, it hasn't always been the case that money will be made, in fact it has gone the other way round. A lot of lack is needed to do gambling (betting), it is a real fight against the odds, you make it one time and win and you start feeling like you can do this over and over forgetting that in life, a point comes where things won't work the way you want. This even kills the desire and value for work. Check out my blog on how Work Is Profitable

We have reached a point where Financial Services Companies like Banks, Mobile Money have learnt that people love to consume, and consumers are easy targets for all kinds of things. These banks or service industries work with great advertising firms to do eye catching adverts that leave you wanting, If you look at adverts around from Banks, you will be told, you can get a loan for a car (instead of saying save for a car), you will be told you can get a loan for a wedding (instead of being told save for a wedding), This is a way of killing your patience and building on your drive and desire to want things on an instant. Some people have been saved a lot of trouble by exercising patience but it's a virtue build over time after failing and being hit many times. 

You will be told by telecom companies that you can borrow airtime or money when your charge is running out, as much as money is being made by these companies or organizations, we the consumers are turning out to be slaves to these schemes. Many times when your airtime is low, you will get a message telling you that you can borrow so that you can keep chatting, they already have power over us but we can choose to have power over our lives by planning and making the right decisions. The messages are becoming normal and we are becoming victims. But we can control our own space, money and time by managing ourselves.

Fight DEBT and bury it, give yourself the ability to to be a LENDER and not a BORROWER. We all know the consequences of racking up debt especially if it has not been put into something that generates income. Debt is something that takes a way your peace until it is dealt with, you can not do much since it consumes the whole of you. Buy your freedom back by fighting Debt.
If you are to get a loan, it has been said, only get it to improve what you are already doing. However if you can avoid it, please do and work on your personal finance journey, make sacrifices, be obedient with your budget, create avenues to give back to the world otherwise Debt is a trap used by the world system.
Proverbs 22:7– “The rich rules over the poor, and the borrower is slave to the lender”
"Most of us have heard this verse a million times, but most of us still use debt to fund our lives. 2/3 of all people, and 1/3 of high income earners are living paycheck to paycheck because of debt." - Jason Cabler
"Debt limits your freedom to live life the way you want to live it. As long as you have debt you are obligated to put much of your time and energy toward paying it off. Just think how your life would be different if you had the freedom and choices that come with having no debt."
- Jason Cabler
The bible says we should owe no one anything except the debt of love. If you want true financial freedom in your life, then commit yourself to getting out of debt. You will be amazed at the difference it makes in every aspect of your life.

Having debt undermines your ability to build wealth and puts your financial plan at risk. It’s simple. Steer clear of debt - Dave Ramsey Read more from this link on how to achieve financial freedom

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