Tag: credit card debt

Giving Thanks Bye Bye Plastic

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I don’t even remember what my first credit card was, or what I bought with it, or why I thought it having one was such a good idea.

 

It wasn’t just that I was spending money that I didn’t have. It was that I was trying to live the lifestyle of an executive, as an intern. I was at the lunches, wearing my cute new outfits. I was getting Starbucks and adding the extra shots. I was buying presents for people.

 

I was trying to gain the acceptance of everyone around me while the only One who has ever truly loved me and accepted me watched as I put another shackle on my ankle. I was an idiot.

 

I have nothing to show for the over $30,000 of credit card debt that I had racked up between the ages of 18 & 23. Nothing.

 

I was living in Ohio and part of the community at sevenoseven the night I laid my debt on the altar, literally.

 

Pastor Dan Burgoyne was preaching on radical amputation . Remember the whole “If your eye causes you to sin, pluck it out” business? Yeah, that was Jesus (Matthew 5:29-). And He was serious.

 

Pastor Dan challenged us something was sin in your life, and you know sin separates you from God, Jesus commands us to radically amputate that sin.

 

There he was, calling all of us twenty-somethings out on our junk. He challenged the hormone driven men to burn their porn, our lust, our flirtations, our overeating, drinking, sleeping, spending,  gossip magazines. If we are the body and bride of Christ, why are we so entangled in our self pleasure and sin? And what does that say about the redemptive message that God is our all in all that we preach to the “unbelievers”.  And I knew.

 

My credit cards had me in chains. I could not run hard after God while in bondage to sin.

 

So there we were. A community broken over our sin. I knew what I had to do. I cut up my credit cards to pieces. I returned to my seat to continue in worship of my Creator, and Provider.

 

I remember Ryan Wilkins leading worship that night. I remember it as though it was just yesterday. Through the tears we sang….

You are the only one I need

I bow all of me at Your feet

I worship You alone

You have given me more than I could ever have wanted

And I want to give You my heart and my soul

You alone are Father And You alone are good

You are alone are Savior And You alone are God

I’m alive, I’m alive I’m alive, I’m alive…………

 

With my credit cards on the altar I made a commitment to not rely on the false security credit offered. So I closed all my accounts and made an aggressive contract to pay all the debt back, with a negotiated lower interest rate, in just over 5 years. I had to trust that this was true obedience and that He who started the good work would be faithful to complete it.

 

God proved Himself faithful.

 

The last several years have been rough. It has been total dependence on Christ and His provision. I have had to ask for help from my parents. I have freaked out in prayer about my money and bills. And God led   people to randomly, and anonymously bless me with cash, or gift cards, or checks through the church in the mail. Friends have noticed me being on fumes and filling up my car. There were seasons of not being able to find a job, and He was faithful.

 

In September I made my last payment to my creditors.

My chains are gone
I’ve been set free
My God, my Savior has ransomed me
And like a flood His mercy rains
Unending love, Amazing grace………….

I’m alive, I’m alive I’m alive, I’m alive…………

Giving Thanks Paid in Full Nov26

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I stood there sobbing on the phone.

She said it again “Miss Stein your debt is paid in full”

I sobbed not only in celebration of the freedom of bondage to American Express for the first time in 8 years – but I sobbed because it is a glimpse of the eternal significance of being Paid In Full.

One day I will stand in judgement and God will say “Julie, your debt is Paid in Full”

My debt of sin is so great, and the wages of sin is death.

Unlike my budgeting and cutting back to be able to pay back my debt to one my creditors and then being released from my obligation because I kept the terms, no amount of good works would have ever been enough to cover my debt of sin to God.

My salvation is by God’s Grace, through faith. It is all in Christ.

 
For He rescued us from the domain of darkness, and transferred us to the kingdom of His beloved Son, in whom we have redemption, the forgiveness of sins.
He is the image of the invisible God, the firstborn of all creation.
 
For by Him all things were created, {both} in the heavens and on earth, visible and invisible, whether thrones or dominions or rulers or authorities–all things have been created through Him and for Him.
 
He is before all things, and in Him all things hold together.
 
He is also head of the body, the church; and He is the beginning, the firstborn from the dead, so that He Himself will come to have first place in everything.
 
For it was the {Father’s} good pleasure for all the fullness to dwell in Him, and through Him to reconcile all things to Himself, having made peace through the blood of His cross; through Him, {I say,} whether things on earth or things in heaven.
 
And although you were formerly alienated and hostile in mind, {engaged} in evil deeds, yet He has now reconciled you in His fleshly body through death, in order to present you before Him holy and blameless and beyond reproach– if indeed you continue in the faith firmly established and steadfast, and not moved away from the hope of the gospel that you have heard, which was proclaimed in all creation under heaven, and of which I, Paul, was made a minister.

 

This world is not my home. And although I can be glad about almost being debt free here on earth. I hope it never determines my joy – and that through trial or triumph I never loose an eternal focus of Christ.

And for that I give thanks.