Why is everything so expensive?

Why debt is bad and should be avoided

If you have ever been responsible for any bills of your own, you’ve likely asked yourself, “Why is everything so expensive?”

I remember in High School when I first became responsible for my phone bill as well as putting gas in my own car. At first it felt amazing to have some freedom in my life and get my first taste of adulthood, and then my car got low on fuel much quicker than I anticipated. I remember looking down at my fuel gauge and thinking, “It can’t possibly be that low already!” 

Likewise, maybe you have recently been inundated with the sheer cost of living, the bill for which, your parents have footed up to this point. It’s easy to face these new financial challenges by looking for a way to somehow make it easier. If you are logical, you’ve realized your chances of winning the lottery are almost nonexistent, so what is left? Credit cards. 


Should I get

a credit card?


I have heard credit justified in an innumerable number of ways: “I just need some breathing room,” “I only use it when I’m short that month,” and “I have to have some way to build credit.” All of these things sound like viable reasons to have a credit card, so why do many recommend strongly against it? 

In order to truly understand the importance of such a decision, we must turn to the Bible to find out what God has to say about debt. 

  1. Debt is not a shortcut, it’s a burden. 

“The rich ruleth over the poor, and the borrower is servant to the lender.”

Proverbs 22:7

Did you catch that? Anyone who borrows money (from your parents, friends, or credit card companies) is a SERVANT to that person or institution! Do you want to be a servant to the person who loaned you money? I’m sure you don’t. And yet, that is the picture the Bible paints of one who borrows money. When you borrow money you are literally signing up to serve until your payment meets their standards! 

2. Debt is Binding

“The wicked borroweth, and payeth not again: but the righteous sheweth mercy, and giveth.”

Psalms 37:21

A lie that is commonly thrown around is that “declaring bankruptcy is an easy way out if you get in ‘over your head’.” On the contrary, bankruptcy is not an easy thing to overcome. I know several people who have struggled immensely financially since declaring it, all of whom regret it because of the difficulty they have found in purchasing a home, renting an apartment, or even finding a job! 

Furthermore, while the Government may absolve you of your debt, the Bible makes it clear that you still owe money in God’s eyes; You are still responsible for the money you stole from the lender. As far as God is concerned, you are eternally tied to the debt for which you signed up.

3. God watches your finances to decide if He should trust you with more.

“If therefore ye have not been faithful in the unrighteous mammon, who will commit to your trust the true riches?”

Luke 16:11

God uses your finances as a test to determine your ability to handle more money! 


God is testing you right now to see what you will do as you live paycheck to paycheck. He’s watching your behavior to determine if He should trust you with more than you have.

Do you ever feel like what you have is not enough? Have you given God a reason to believe He cannot trust you? 


Money is a tricky issue. God knows our tendency is to love money (1 Timothy 6:10), so He gives us a small amount to start and watches us sink or swim. 



Why God’s testing works:

When you learned to drive, do you remember where it was? Did the person who taught you start you off on the highway where everyone drives 60 miles per hour or more? Of course not! They took it slow, explaining what all the pedals, buttons, and levers do before you ever started. Then, they probably took you to a Walmart parking lot or some deserted country road to let you learn at a slow pace. 

Likewise, God knows if He starts you off with more than you can handle, you’re likely to swerve and crash. He gives you this financial responsibility slowly, as you prove you can handle it wisely.