Often Christians say, “It isn’t possible in our society today; we must have credit cards.” That is absolutely false. Many Christian families I know personally live on a non-credit basis and have done so for several years (usually with the exception of a home mortgage). Admittedly, it does take more planning, and it is necessary to establish check cashing privileges at most stores, but I can be done. The result will be a great sense of freedom and relief when there are no debts. That does not mean that a Christian cannot use credit cards. As long as the accounts are current there is no violation of scriptural principles, but many Christians abuse the privilege of credit and must relinquish the use of credit cards. Most others should to avoid overspending. 3. Set Your Own Goals. Establish your goals in relation to what God asks you to do, not what your neighbor asks you to do. It is easy to get caught up in the frenzy of someone else’s schemes. We see others apparently doing well and get talked into joining many half-baked ideas. Unfortunately, many people who like their profession or business feel frustrated because somebody else is making more money is some speculative venture. Consequently they get involved in a program they know little or nothing about. The usual result is a costly financial education. There are limitless ways to lose money; one of the very best is through bad advice coupled with a little envy.

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