What can I do about my serious financial problems?

This is an all-too-common question. I donít know exactly what has caused your financial distress, but for many people, the ever-present credit card, the clamor to acquire bigger and better, and a lack of self-control have put many people in this situation. Add unexpected medical problems, lay-offs, and business failures to that list, and youíll see why it is a wonder that anyone can stay financially afloat these days.

If you identify with any of the above situations, it is time to seek some help. Go to a trusted pastor or friend who might know of the social services in your area. You need someone who can help you get on a budget and begin chipping away at those bills. If you are out of work, you can seek employment counseling at the same time.

You might want to contact the National Foundation for Credit Counseling, 8611 Second Avenue, Suite 100, Silver Spring, Maryland 20910. If you call their toll-free telephone number, (800) 388-CCCS, using a touch-tone telephone, they can help you find someone in your area who can help you.

Before you do any of that, you need to commit this situation to the Lord. Seek His guidance and make a commitment that you will follow His leading. Trust Him; He cares about this area of your life. He will provide for you. Philippians 4:19 says, "And my God will meet all your needs according to his glorious riches in Christ Jesus."

"Take heed, and beware of covetousness: for a man's life consisteth not in the abundance of the things which he possesseth" (Luke 12:15).

"Wherefore do ye spend money for that which is not bread? and your labour for that which satisfieth not? hearken diligently unto me, and eat ye that which is good, and let your soul delight itself in fatness" (Is. 55:2).