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. 




Direction or correction?

God guides us using two distinct processes: Direction and Correction.


We already know we don’t have the capacity to lead ourselves well (Jeremiah 10:23), and God seeks to help us by guiding or directing us in the way we ought to go. 

Direction happens when we follow Proverbs 3:

Trust in the LORD with all thine heart; and lean not unto thine own understanding.  In all thy ways acknowledge him, and he shall direct thy paths. Be not wise in thine own eyes: fear the LORD, and depart from evil.

Proverbs 3:5-7

  1. Trust

Know that God knows better and believe He has your best interests at heart. This is where faith comes in. You cannot trust Him if you don’t believe He know’s what is best. 


2. Lean not

It’s easy to think you’ve got it under control, that’s what the Bible would call “leaning on your own understanding.” It’s the inherent mindset that you know better than God. Be careful that you don’t just pray and ask God to bless what you’ve already decided to do! The Bible says:

Be not wise in thine own eyes: fear the LORD, and depart from evil.

Proverbs 3:7

Lean fully on God’s wisdom and understanding to direct you. 


3. Acknowledge Him

Can you imagine your reaction if your parents told you they were moving tomorrow and had never asked for your opinion before making the decision? You’d be upset! You would wish that you had been acknowledged. This is the same concept with how God wants to be involved. He gave us the ability to make our own decisions, but He wants us to learn to come to Him first before making them. Look for His guidance! God promises wisdom to all who ask!

Pray like Christ prayed in the Garden,

Saying, Father, if thou be willing, remove this cup from me: nevertheless not my will, but thine, be done.

Luke 22:42

Jesus knew what was coming and wanted something different. However, He acknowledged God and instead of pushing Him to change His plan, Christ made clear His request and left the decision up to God. Tell him what you’re thinking but trust His guidance.

We get God’s direction by studying His word and through prayer. Spend time in the Bible in order to give the Holy Spirit fuel to work on your heart. When you listen to preaching, you’re giving the Holy Spirit space to guide you; and when you passionately pray for help, God works to use His word to guide you. These two things work together to provide a synergy of direction. What you read and hear guides you while you’re praying for God to speak through it.



This comes after you have ignored the direction God has tried to provide. Just like Jonah, when we refuse to follow God’s direction, God makes that way we have chosen difficult (Jonah 1). God never starts here, but He will use correction if necessary. Sadly, this is the only type of relationship some Christians may ever develop with God. God loves us enough to direct us, but He also loves us enough to correct us. Our prayer should be for openness of heart and willingness to follow the direction God gives us the first time!

Correction is what the prodigal son experienced when he went his own direction! Hey Christians, when your life seems to fall apart around you it’s likely God trying to get your attention. Correction is God’s way of bringing you back to Him

A simple example

Direction or correction are choices more often than you think

I teach a variety of classes in our Christian School. This particular year, I was teaching a financial literacy class for high school students. One day, I encountered two students who were hiding coffees from a nearby coffee stand beside their desks on the floor. School rules were clear, any drinks besides water were supposed to stay in the students’ lockers. I encountered the coffee cups and discreetly told them to stop what they were doing and take the drinks to their lockers.

Immediately, they both jumped to the defense. Arguing, their voices became louder as they began demanding that I allow them to keep their drinks as “other teachers allow them to do it.” For the second time, I requested they remove their drinks. Again they bombard me with demands to instead place their half filled cups on the counter in the back of the classroom so they would still have access to them. Their voices had now grown so loud and their arguing so undeniable that the entire class had looked up from their classwork to watch the show. With no other option, I raised my voice to talk over them, “You will both take your cups immediately to your lockers and when you return I will have a demerit slip ready for each of you, go now!” They sulked out of the classroom with no choice but to accept the punishment that easily could have been avoided.

When you ignore God’s direction to do what you want, you are left to deal with God’s correction that comes later.

When correction comes

  1. Be thankful God wants you back.

Yes correction is annoying. Understand, however, that correction represents God’s desire to direct you again. God wants to be involved in your life, and correction facilitates getting you back on His path. 


2. Be receptive to what He is teaching you.

God wants to teach you something. The quicker you learn it, the faster you can move from correction back to direction. React positively to His moving. 


3. Pray that God will help you understand His direction the first time.

Cultivate a spirit of willingness inside yourself. If you can learn to hear and respond to God’s direction the first time, you’ll never be forced to handle His correction later.