This is the time of year when many people look at their debt situation and shudder.

They’ll begin with high hopes. But many of them will quit before reaching their goal, disappointed, discouraged and defeated. Is there something that they could have done differently that would have given them a better chance at success? I think so.

You can find all kinds of advice about how to get out of debt. The web is full of the stuff. But, when you boil it all down, there are three things that form a foundation for a get out of debt effort.

1. Don’t expect immediate results. You won’t be getting out of debt in a matter of days or weeks. The only way to eliminate your debts quickly is to inherit a large sum of money, win the lottery or declare bankruptcy. The first two are unlikely. The third may remove debts quickly, but you’ll suffer with a lower credit score for years to come.

Recognize that it will probably take about as long to get out of debt as it took you to get into it. You can speed up the process but you won’t eliminate debt that took 10 years to accumulate in 10 months. You can shorten the time by being aggressive in your payback plan, but it still will be a long process.

What’s the take-away? You need to be prepared for a marathon race. This is not a sprint. If you’re prepared for the long haul you won’t be disappointed and discouraged when a year passes and you haven’t eliminated all your debts. You’ll expect a long battle and be ready to fight it.

2. You need a good plan. A good plan will stand the test of time. The longer you work with a good plan, the more you appreciate its usefulness. There are a number of good plans readily available. You may find that one is particularly well suited to your situation.

Any good plan will have a number of characteristics:

1. It will include all your debts. That’s important to help you see the whole picture.
2. It will help you evaluate exactly how bad your debt situation is. Not only will you know how much you owe, but you’ll know how much it’s costing you in interest each month/year.
3. It will include a priority of which debts to pay off first – smallest to biggest? Highest to lowest interest rate?
4. It will allow you to know how much money you’ll have each month to repay debts.
5. It will free you from having decisions to make each month. You know how much money you’ll have and which debt is being reduced first. The decision is already made. It’s just a matter of executing your plan.
6. It will allow you to calculate an approximate date that you’ll be debt free.
7. It will help you monitor your progress. You should be able to predict where you’ll be 6 months from now. And, then compare your actual results to that prediction.
8. It will take your personality into account. Some people need the motivation of seeing many small accounts being repaid quickly.
9. Others are happier watching the average interest rate their paying decrease each month. A good plan will be tailored to your personality.

A good plan will do all those things. Some offer other bells and whistles. But any good plan should do all of the above things. If your plan doesn’t do them, keep looking for one that does. This job is hard enough with a good plan. Don’t weigh yourself down with a bad one.

3.  Find a way to keep yourself motivated throughout the process. Once again, you’ll need to know what would encourage you when you’re thinking of quitting. For some people, rewards along the way work well. Perhaps a nice dinner or that coffee maker you’ve wanted would be a good reward when your car loan is repaid. Knowing that a reward is within reach could be enough to keep you going.

For others one big reward at the end is the best motivation. I know of people who’ve wanted to go on a cruise for years. They’ve added the cost of the cruise to their debts. And when it’s all paid off they’ll be packing their bags. To remind them now, they’ve posted pictures of cruise ships around the house as a continual reminder.

Getting out of debt is a tough challenge, but it’s a worthwhile one. And it’s one that you can accomplish with the right tools and sufficient determination!

Take the next step:
Managing debt starts with a plan
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What does worship mean to you? Here is an online Bible study to guide you.

The second aspect of Paul’s definition of who we are in Christ is: we are the ones who worship by the Spirit of God.  To worship means to show reverence, honor and intense love, as well as to perform acts of service, toward an object or being.  Although others may worship celebrities, sports heroes or less tangible idols like money, success or power, as believers we worship the living God.

Not only is who we worship critical, but also how we worship. We worship by the Spirit of God.  Therefore our worship flows not from our humanity, but from God who dwells within us.

Jesus told the Samaritan woman, “[A] time is coming and has now come when the true worshipers will worship the Father in spirit and truth, for they are the kind of worshipers the Father seeks. God is spirit, and His worshipers must worship in spirit and in truth” (John 4:23, 24, NIV).

No longer are we trapped in the mold of the Old Testament days where the High Priest approached God on our behalf with the blood of animals. Because of Jesus’ sacrifice, His Spirit lives within us, allowing us to enter into the very presence of God.  Our acts of worship are not external rituals that draw attention to us, but rather they are acts of surrender and service with our whole heart, body, mind and spirit, made possibly through the Holy Spirit.

“Therefore, I urge you, brothers, in view of God’s mercy, to offer your bodies as living sacrifices, holy and pleasing to God – this is your spiritual act of worship” (Romans 12:1).

Thank you, Holy God, for making a way for me to worship you in spirit and in truth. Amen.

Questions: What does worshipping in spirit and in truth look like in your life? How have you been challenged to make sure your worship is not merely an external ritual?

How can we life self-controlled, alert lives? Take this online interactive study which explores this important topic!

“I rejoice greatly in the Lord that at last you have renewed your concern for me. Indeed, you have been concerned, but you had no opportunity to show it. I am not saying this because I am in need, for I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do everything through him who gives me strength.” Philippians 4:10-13

Remember the truth that God owns it all? When we have a firm grasp of this concept and apply it to our thinking and handling of money, we will have mastered the first principle of prosperity. If we realize that everything we see in our world is His, then we will begin to realize that we literally own nothing; we are merely stewards handling the wealth of our Master. As money managers, we must understand that we do not have the right to dictate how it is to be spent or invested; only God does. He is still in control, and He wants to have the final word in the matter.

The second principle of prosperity is that God wants His resources used in a way that glorifies Him. Not only does He own it all and have the right to tell us how to manage it, but He also expects us to obey. Our obedience in money matters brings Him glory. The Lord wants us to keep this in mind as we put His resources into circulation to accomplish His work, to meet basic needs, and to provide enjoyment.

So, for the New Year, ask God these three questions: How much do You want to be designated for Your work? What proportion should go to meet my basic needs and the needs of others? How much do You want me to utilize to enjoy life?

When we accept that God owns it all, that we are His money managers, and that our resources are to be used to glorify Him, then we will be satisfied with His choices for how to use the money we have. How satisfied are you?

Question: How satisfied are you, in life in general, and more specifically with your spiritual life & walk with God?

“Don’t you see how wonderfully kind, tolerant, and patient God is with you? Does this mean nothing to you? Can’t you see that his kindness is intended to turn you from your sin?” (Romans 2:4, NLV)

God has created each one of us with this inner desire to be filled by Him but we often choose to allow other things to fill that hole in our life.  Recently, I had come to acknowledge that I had a substitute god in my life.

Substitute gods take. They take your time, energy, thoughts, money, focus, and purpose. If they give it’s only temporary and then it leaves you needing and wanting more.  That’s what this god was doing in my life.  I was bowing down to this god and was worshiping and accepting it as lord of my life.

Through the study of God’s Word, He has shown me that I need His sorrow for my sin and His repentance.  I now know that this area of my life is sin – before I called this everything else but that and by not confessing my sin and relinquishing this area in my life I have experienced frustration, anger and defeat.

Joel 2:12-13 (NLV) says,  “That is why the LORD says, ‘Turn to me now, while there is time.  Give me your hearts.  Come with fasting, weeping, and mourning.  Don’t tear your clothing in your grief, but tear your hearts instead. Return to the LORD your God, for he is merciful and compassionate, slow to get angry and filled with unfailing love.  He is eager to relent and not punish.’”

Praise God that He loves us in spite of our failures! Each day I am experiencing His amazing grace as I continue to give this issue in my life to Him and accept His forgiveness.

I’m here to tell you, it’s not worth it to hold on – sin only brings shame, sorrow, frustration and guilt. God is ready and waiting to release you from the bonds of your sin and to set you free!  There is so much joy and freedom and He is patiently waiting.

So trade in that substitute god for the REAL ONE – it’ll be the best decision you’ll ever make!

Questions: Do you have a substitute god in your life? Is there an area in your life that you have been unwilling to relinquish and submit to God?

His confession orbits around the divine purpose of people who entered his life, the places he went and the things that were said and done even when life seemed meaningless.  Hiring a housekeeper to free his time, she instead brought him a message that liberated his life, leaving him on an uncertain road but a sure foundation.

His testimony is a journey of maturing from the burden of people pleasing and self gratification to a life of liberation and humility.

After you have watched the video above, consider the following:

Take a look at your life. How would you describe it?

Contented? Rushed? Exciting? Stressful? Moving forward? Holding back? For many of us it’s all of the above at times. There are things we dream of doing one day, and there are things we wish we could forget. In the Bible, it says that Jesus came to make all things new. What would your life look like if you could start over with a clean slate?

Are you ready to choose a different path?

Jesus came, and died, and rose again to wipe the slate clean. He was scourged, tormented, and finally nailed on the cross for humankind’s sins – this was all part of God’s plan to bring you and I back into relationship with him. God wants to be a part of your life … in fact, not just a part of your life, but wants you to live in full fellowship with Him. Is this the life for you?

God loves you and created you to know Him personally. He longs for you to have the kind of full life you were always meant to have. So why do people not experience this kind of life? People are lost and separated from God, so we cannot know Him personally or experience His love. Because of our sins, we justly deserve judgement. But God provided his Son, Jesus Christ, as the only provision for our sin. He died in our place, then he rose from the dead.

We must individually trust Jesus Christ as Savior and Lord; then we can know God personally, receive forgiveness for our sins, and experience His love: “As many as received Him, to them He gave the right to become children of God” (John 1:12)

We trust God through faith. You can trust Christ right now by faith through prayer! (Prayer is just talking with God.) God knows your heart and is not so concerned with your words as He is with the attitude of your heart. The following is a suggested prayer:

Lord Jesus, I need you. Thank You for dying on the cross for my sins. I open the door of my life and receive You as my Savior and Lord. Thank You for forgiving my sins and giving me eternal life. Take control of the throne of my life. Make me the kind of person You want me to be.

Does this prayer express the desire of your heart?

If it does, pray this prayer right now, and Christ will come into your life, just as He promised.

He tells a pleasant story, a story that surprises happen and no matter how much you feel unworthy, nothing can stop your destination to greatness.  He lived a life where every step he took brought him closer to a destiny fulfilled. That’s the story of grace, that’s the story of God’s love.

After you have watched the video above, consider the following:

Take a look at your life. How would you describe it?

Contented? Rushed? Exciting? Stressful? Moving forward? Holding back? For many of us it’s all of the above at times. There are things we dream of doing one day, and there are things we wish we could forget. In the Bible, it says that Jesus came to make all things new. What would your life look like if you could start over with a clean slate?

Are you ready to choose a different path?

Jesus came, and died, and rose again to wipe the slate clean. He was scourged, tormented, and finally nailed on the cross for humankind’s sins – this was all part of God’s plan to bring you and I back into relationship with him. God wants to be a part of your life … in fact, not just a part of your life, but wants you to live in full fellowship with Him. Is this the life for you?

God loves you and created you to know Him personally. He longs for you to have the kind of full life you were always meant to have. So why do people not experience this kind of life? People are lost and separated from God, so we cannot know Him personally or experience His love. Because of our sins, we justly deserve judgement. But God provided his Son, Jesus Christ, as the only provision for our sin. He died in our place, then he rose from the dead.

We must individually trust Jesus Christ as Savior and Lord; then we can know God personally, receive forgiveness for our sins, and experience His love: “As many as received Him, to them He gave the right to become children of God” (John 1:12)

We trust God through faith. You can trust Christ right now by faith through prayer! (Prayer is just talking with God.) God knows your heart and is not so concerned with your words as He is with the attitude of your heart. The following is a suggested prayer:

Lord Jesus, I need you. Thank You for dying on the cross for my sins. I open the door of my life and receive You as my Savior and Lord. Thank You for forgiving my sins and giving me eternal life. Take control of the throne of my life. Make me the kind of person You want me to be.

Does this prayer express the desire of your heart?

If it does, pray this prayer right now, and Christ will come into your life, just as He promised.