擺脫債務

這篇很實在，現在很多教導理財的文章，幫助那些在錯誤思想指導下，借了很多債的老美，我也在這裏犯了同樣的毛病。

華裏克牧師的每日靈修-理財係列
http://zh-cn.youversion.com/reading-plans/rick-warrens-daily-devotional/28

羅馬書 13:8 凡事都不可虧欠人，惟有彼此相愛，要常以為虧欠，因為愛人的就完全了律法。

擺脫債務

我對你的希望是，你在本十年結束時不再負債。這是可能的，如果你按照原則做。讓我說，如果你從來沒有不欠債過，你不會知道你不再欠任何人任何東西是多麽自由。

這就是為什麽它是重要的 - 如果現在呼召你你去做什麽，有些人不能這樣做，因為你欠了很多債。

聖經說，我們不應該暫緩償還債務，我們應該有未負的帳。這是什麽意思？如果您隻在您的信用卡支付最低，你是讓債務仍然懸而未決。聖經說，不要那樣做。神是不會為此保佑你的。

您需要設置還款。你也許會認為這將是艱苦的。這是很難！這就是為什麽大多數人在債務中。如果沒有困難，大家會富起來。事實是，大多數人都沒有的性質與紀律，做上帝告訴他們做什麽。首先，給予10％至神;第二，把節省10％，然後，做出還款計劃。

Become Debt Free

My hope for you is that you will be debt free by the end of this decade. It is possible, if you are disciplined. Let me say, if you've never been debt free, you have no idea the freedom you will experience when you no longer owe anybody anything.

And this is why it is important -- If God told you to go do something right now, some of you couldn't do it because you are in such financial bondage.

The Bible says we should not withhold the repayment of your debts, that we should let no debt remain outstanding. What does that mean? If you are only paying the minimum on your credit card, you are letting a debt remain outstanding. The Bible says don't do that. God is not going to bless that.

You need to set up repayment. You may be thinking that would be hard. It is hard! That's why most people are in debt. If it were easy, everybody would be rich. The fact is, most people do not have the character and the discipline to do what God tells them to do. First, give 10% to God; second, put 10% into savings; then, set up a repayment plan.

You say, "Wait a minute. Are you telling me to save before I pay off my debts?' That's exactly what I'm telling you to do -- because if you wait until you get all your debts paid off to start saving or tithing, you will never do it.

You may think you can't afford, but the truth is, you can't afford not to do it God's way.