You've worked hard all day and come home at night, only to discover that
you
can't get comfortable in your own bed. You toss and you turn for well over
three hours. As 3a.m. approaches, you finally go to sleep but the alarm
sounds all too quickly at 6 a.m. It's time for you to go to work. Day two
comes and you're off again to the usual rat race. You repeat the same
pattern once you get home. Later that night you lay in bed, thinking how
you're going to pay all of these bills. Despite your best efforts on the
job, including overtime, it doesn't seem to be enough. What can you do?
Who
can you to turn to?
Does this sound like you? Are you a Christian having sleepless nights
because of your finances? Here are the top five reasons I have found why
people get into debt:
1) Try to live beyond their means. Keep up with the Joneses. 2) Lost job
and
bills pile up 3) Have never been taught money management 4) Divorcing and
the other party charged up cards in the process splitting up 5) Impulse
Shopping
I too was a victim. Not from just one, but two of these debt catalysts. My
husband equally had financial woes, his was still on this list. Being in
debt has a way of having a hold on you and causes you not to think
clearly.
People in debt tend to operate out of fear - for example they ignore phone
calls because it might be a collection agency on the other end. How many
calls have they missed? Or perhaps, they write a check in the hopes that
it
will clear the bank; knowing full well they spent the money on luxuries
and
other needless excesses that have caused the bank account to have
insufficient funds.
If any of this sounds like you or someone you know, assure them they can
get
out of debt without filing bankruptcy. They have to want help and not let
pride or embarrassment get in their way of being helped.
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