By Janie Baer

Below you will find Godly wisdom to help you change your thinking and acquire God’s way of handling your finances to bring you into God’s deliverance from debt.

  • Never acquire a debt mindset, a debt lifestyle.
  • Resist the urge to get more and more credit cards for they will only ignite the use of more debt.
  • Resist the urge to increase using a credit card because the credit card limit is increased. 
  • Never use credit cards giving you unlimited credit debt, even for a good cause for that’s not God’s supernatural provision but a door the enemy has thrown open for you so you enter into bondage impossible to get out. 
  • Never use credit cards to pay other credit cards for you will just be adding to your misery. 
  • Use credit cards only if there is enough money in your checking account to pay in full the credit card bill you get every month.

Only use the card for a guarantee because that is the way the business operates. If you have to pay a two thousand dollar plane ticket then you have to have two thousand dollars in your bank account.  If you don’t then you don’t buy the plane ticket even if you think the two thousand dollars will be coming in a few days later.  You must not buy the ticket or anything else until you have the money in the bank to pay for it.

  • You’re never allowed to pay interest. 
  • Never get into the uncontrollable habit of buying things because you thought you needed it but could have gone without it. 
  • Resist the temptation of instant gratification “I’ve got to have it now.”

The marketing system works on that temptation by announcing, “This sale is only this weekend.  Buy it now.”

  • You must realize God’s Kingdom is a Kingdom of abundance but the enemy’s kingdom is a kingdom of lack and destruction and debt is a part of that kingdom’s lack and destruction.

Debt is your enemy because it is of the kingdom of darkness and not of the Kingdom of Light where there is abundance, total provision and continual supply because of the finished work of Christ. (Galatians 3:13,14,29)

You must continue to study about the Kingdom of God for it is a system separate from the world’s system.  This system will free you and keep you free from the bondage of having to depend on this world system and depending on what you can do naturally.  Jesus taught many parables about the Kingdom that you can study.  It has its own government, abundant provision, healing and health care, protection, supernatural living, angelic assistance, the answer to all of society’s problems and much more.

Realize that continual comfort shopping and all unnecessary spending will mean loss for you tomorrow if you don’t put a stop to it now

The wisdom of this world is foreign and opposed to the Kingdom of God and one area is when they teach you to go and buy properties and leverage this and that. This can set you up for failure.  Practicing this you can end up like the most skilled who have practiced this but then went into bankruptcy when the economy had a downturn, the housing market was down, the real estate changed, and the system shifted.

It’s a different story using the principles of the Kingdom of heaven.  Operating God’s way you operate in a sowing mindset and not in a debt mindset, and you operate the principles of the Kingdom of heaven handling finances faithfully.  Results of this Kingdom operation is a different story no matter what is going on in the world system; you will always have what you need, you will always have total provision, you will always have a continual supply no matter the economy, no matter what the housing market is doing, and no matter what happens in society and you will always have enough to help others as well.  This is the plan of God for you even when times are hard and in the end times.  His plan is working with you in a covenant way so you are not affected by the negative economy of any society but rather you are affected by the guarantees of God’s promises and His covenant with you.

  • Resist the temptation to lean on the credit card when in tough times.

Realize in those temptations and challenging times God has a better way for you and better promises and better guarantees than going into debt or more debt. He truly is the Savior of the world from not only eternal damnation but also damaging financial affairs.  The world has lied to you but He has never lied to you and won’t ever lie to you!  So now is the time to believe the Word of God and trust God!  I promise you God can be trusted!

Now is the time to start believing in miracles and angels coming to assist you and God meeting all your needs supernaturally without debt!

Leaning on the arm of flesh and thinking, handling and spending money like the rest of society you are going to be held in bondage to the debt trap the rest of your life and experience innumerable limitations, innumerable struggles, and just survive living paycheck to paycheck.  Debt, leaning on the arm of flesh, cuts off God releasing the abundance of His kingdom and the anointing to remove your burdens and destroy the yoke of debt out of your life once and for all.

Jer 17:5-8 Thus says the Lord: Cursed [with great evil] is the strong man who trusts in and relies on frail man, making weak [human] flesh his arm, and whose mind and heart turn aside from the Lord. 6 For he shall be like a shrub or a person naked and destitute in the desert; and he shall not see any good come, but shall dwell in the parched places in the wilderness, in an uninhabited salt land. 7[Most] blessed is the man who believes in, trusts in, and relies on the Lord, and whose hope and confidence the Lord is. 8 For he shall be like a tree planted by the waters that spreads out its roots by the river; and it shall not see and fear when heat comes; but its leaf shall be green. It shall not be anxious and full of care in the year of drought, nor shall it cease yielding fruit. AMP

Instead of leaning on the credit card or cards, these are the times to count on Father God, Abba, count on His wisdom, count on His greater power of the anointing to remove your burdens and destroy every yoke and COUNT ON FATHER GOD ABBA’S MERCY AND FAVOR THAT FLOW RIGHT NOW TO YOU FROM HIS HEART OF LOVE FOR YOU! 

We all are subject to do things wrong but that doesn’t mean we can’t count on the mercy and favor of our Father, Daddy Abba.  That’s why I am asking you in these tough times to ask for His mercy and favor and focus on His mercy and favor instead of leaning on the credit card or cards to get you through the tough times!  We all certainly can say in ourselves we are not worthy of God’s mercy or favor when we have messed up things so badly but WE MUST CONTINUALLY REMIND OURSELVES JESUS MADE US WORTHY TO RECEIVE ALL OF GOD’S MERCY AND FAVOR WE NEED ANY TIME AND EVEN WHEN WE HAVE MESSED UP THE WORST!  THANK YOU, THANK YOU, THANK YOU FOREVER LORD JESUS CHRIST!! 

You need to realize in these tough times whatever you focus on is expanded and magnified in your life.  If you focus on your sin of mishandling your money or any other sin and remain in condemnation then sin will get a greater hold on you and you will continue to sin mishandling even more money.  If you focus on Jesus’ righteousness being yours then you will live more righteously than ever before and righteously handle your money and your financial affairs and remain in financial freedom.  Whom the Son has set free is free indeed!   If you focus on lack, poverty, unpaid bills, unpaid debt, no answers to the problem or no way out then you can count on more of the same.  When you focus on the negative and get under condemnation then you are subject to make even more and more wrong decisions and the wisdom of God cannot come through to you.

Your wrong focus and condemnation are enemies to your soul so you can’t think as the righteousness of God in Christ, the new creation in Christ Jesus and wrong focus and condemnation are the enemies to your finances and your future prosperity.

Now in this tough time is the time to focus on Daddy God and His Word, focus on His mercy, favor and His power to get you out of the tough times.

Don’t be afraid!  That’s the worst thing you can ever do and you will always make the wrong decisions when you act out of fear.  Trust the love, mercy and favor of Daddy, Abba.

This world system has very little mercy but God, your Father Abba, is always merciful!  That’s just His nature!  So focus on His mercy now and get in faith to enable Him to release His mercy to you now!

So go to Daddy Abba, and ask Him for His unlimited mercy and favor NOW!   FOCUS NOW on seeing yourself receiving His mercy and favor RIGHT NOW!   See the bills paid NOW!  See the debt eradicated NOW!  See yourself receiving the answers or wisdom you need from Him RIGHT NOW!  The just shall live by faith and not by sight and that is what you have just done.

Don’t get in a hurry and try to help God out.  Give Him time to do the impossible for you.  If you will honor Him by looking to Him and committing to obedience to Him then He will have the opportunity to use His ability in your behalf!  Trust Him!  He will come through for you no matter what it looks like!  He just needs your full cooperation!

Spend some time focusing on God and His Word.  Don’t focus on the debt or how you are going to pay this bill or debt; but instead focus on Daddy Abba, acting on your behalf RIGHT NOW, focus on His anointing removing every burden and paying the bills and getting you out of debt NOW, focus on the angels ministering in your behalf supernaturally RIGHT NOW, focus on getting in the glory NOW where your mind is clear and you experience sitting in heavenly places in Christ where you reign from in this life by one Jesus Christ.

I want to pray a prayer for you and I hope you receive it NOW.

My Prayer For You:

I pray for you today to have a true repentant heart and turn from having your way and leaning on the arm of flesh especially debt when you are in tough times.  I pray you see your only way out clearly is through God, His Kingdom and His principles.  I pray, although there may be some pain in your transition today to Kingdom prosperity, that you will come to the revelation of God’s freedom for you by His anointing that removes your burdens and destroys every yoke around your neck today including debt. I pray you never go back into your old ways of handling things and especially debt for you clearly see God is your Helper, Strengthener, Standby and Advocate! I pray you realize you can and must count on Daddy Abba for His unlimited wisdom, unlimited mercy and unlimited favor. I pray your focus is not on poverty, lack, debt, unpaid bills, unpaid debt, no answers to the problem or no way out but that your only focus and faith will be on your righteousness of God in Christ Jesus that frees you from all condemnation, your focus and faith is on Daddy Abba and His promises to you, your focus and faith be on Daddy Abba’s unlimited mercy and favor no matter how badly you have mishandled things, your focus and faith is on bills paid NOW, your focus and faith is on debt eradicated NOW, and your focus and faith is on receiving NOW the answer or wisdom that eliminates all debt like the woman with the pots of oil in the Old Testament who paid her debt and lived on the rest.  I pray you see Daddy Abba as no respecter of persons.  I take authority over all spirits of darkness who try to come against you with fear and condemnation and I command a spirit of faith and righteousness conscience to enable you to move forward with right decisions and actions.  I pray you yield to the fruit of the spirit patience so that you be entire and wanting for nothing.  This is my prayer for you and I pray you receive it NOW in Jesus’ Name.  Amen


I have given you some freedom scriptures, even words of Jesus to you in this tough time, to place your focus so you receive the power contained in them by speaking them over the tough situation or situations you face today.  Hear Jesus’ heart of love pouring out to you in this time of His grace:

Scripture Meditation & Confession: 

John 16:33 I have told you these things, so that in Me you may have [perfect] peace and confidence. In the world you have tribulation and trials and distress and frustration; but be of good cheer [take courage; be confident, certain, undaunted]! For I have overcome the world. [I have deprived it of power to harm you and have conquered it for you.] AMP

1 Peter 5:6-7 Therefore humble yourselves [demote, lower yourselves in your own estimation] under the mighty hand of God, that in due time He may exalt you, 7 Casting the whole of your care [all your anxieties, all your worries, all your concerns, once and for all] on Him, for He cares for you affectionately and cares about you watchfully. AMP


  • You will experience holes in your pockets, purse and billfold when you are disobedient in the stewardship of your finances and acquire more and more debt.

Hag 1:6-7 …he that earneth wages earneth wages to put it into a bag with holes.  7 Thus saith the LORD of hosts; Consider your ways. KJV

Debt is the enemy to your pockets, purse and billfold remaining filled with Kingdom prosperity.

  • Realize getting into debt you are spending tomorrow’s abundance today and guaranteeing lack for yourself tomorrow.

Getting into debt you are borrowing from tomorrow’s abundance to gratify and satisfy you now and creating lack in your future; because you not only pay back what you borrowed but also pay multiple times for interest, late fees, and other fees they hook you with.  This is true bondage to debt!

You must obey the words of the prophets in our day telling you to get out of debt now!  Things are only going to get worse in the world’s economy and through your obedience today to get out of debt you will escape the woes the rest of the world are going to experience because they are hooked to a failing, ungodly, debit system.

  • With credit card debt you are sold into bondage, slavery to a world system that has no mercy.

Be reminded today of the mercy of Daddy Abba that is available to you in spite of the merciless world system out there and Who is delivering you from that merciless, debt system TODAY!

  • You start living debt free when you allow God to change the way you think, change your mind set about debt.

God is going to show you that debt is an enemy and not a friend or a blessing from God.

Scripture to Transform Your Worldly Mindset of Debt:

Rom 12:2 Do not be conformed to this world (this age), [fashioned after and adapted to its external, superficial customs], but be transformed (changed) by the [entire] renewal of your mind [by its new ideals and its new attitude], so that you may prove [for yourselves] what is the good and acceptable and perfect will of God, even the thing which is good and acceptable and perfect [in His sight for you].  AMP


  • Getting free of debt you will view the world differently.

You will see how the world is trying to get you back into debt again with, “No money down!  No interest for a year! If you get our credit card we will give you this bonus or this gift or twenty percent off your next purchase.”  Debt is always out there trying to get you back into its trap again!  YOU MUST REFUSE THE TEMPTATION EVERY SINGLE TIME!

You will see looking to the credit card to provide your needs you made money your source and not God.

You will see looking to God He can meet all your needs through money, gifts, use people and resources you never could have thought possible.  You will get the revelation that if it was needful, God would open the windows of heaven and give you manna or He would place money in a fish’s mouth to pay your bills or give you pots of oil to sell or other supernatural manifestations to care for you.  He did it once and He is no respecter of persons.  You will start seeing God has innumerable ways to meet your needs.  Your mind will be clear now so you see He not only wants to meet your needs but He has made promise to you in a covenant He made with you through the shedding of His Son’s own blood so you know you can count on His unlimited provision!

Your mind will be clear to see God not only has innumerable ways to meet your needs but that He is faithful and that is why you hold on to your confession of faith in His Word even in the hard times!

Scriptures to Meditate:

1 Cor 1:9 God is faithful (reliable, trustworthy, and therefore ever true to His promise, and He can be depended on);  AMP

Heb 6:17-20 Accordingly God also, in His desire to show more convincingly and beyond doubt to those who were to inherit the promise the unchangeableness of His purpose and plan, intervened (mediated) with an oath. 18 This was so that, by two unchangeable things [His promise and His oath] in which it is impossible for God ever to prove false or deceive us, we who have fled [to Him] for refuge might have mighty indwelling strength and strong encouragement to grasp and hold fast the hope appointed for us and set before [us]. 19[Now] we have this [hope] as a sure and steadfast anchor of the soul [it cannot slip and it cannot break down under whoever steps out upon it — a hope] that reaches farther and enters into [the very certainty of the Presence] within the veil, 20 Where Jesus has entered in for us [in advance], a Forerunner having become a High Priest forever after the order (with the rank) of Melchizedek. AMP