A Heart Check-Up on Credit Card Dependency

On Sunday afternoons, I’m leading a 4-week discussion on financial freedom. Last Sunday, our group of about twenty “personal freedom fighters” discussed five of the most common causes of unjustifiable debt.

  1. Wrong priorities
  2. Idolatry
  3. Covetousness
  4. Lack of contentment
  5. Lack of self-control

Then we discussed the following heart check-up questions based on our Bible study. If $ debt is a heavy burden you are currently carrying, I encourage you to walk through this heart check-up yourself.

READ Matthew 6:19–33. In what specific ways have your priorities been wrong? What are some of the “rotten fruits” of worry, self-sufficiency, and idolatry that you see in your present situation? Who are the people who have been affected the most?

READ 1 Timothy 6:6–10. Write out your own definition of “contentment.” In what ways is covetousness the opposite of contentment?

READ Proverbs 25:28. What safeguards (“walls”) can you immediately place into your life to help you cultivate self-control (e.g. don’t go grocery shopping when you are hungry, leave your credit card(s) at home)?

READ Proverbs 30:7–9. What do these verses teach us about contentment? Write out this passage in your own words, as your own prayer to God.

These check-up questions are from HELP! I’m Drowning in Debt. Perhaps you, too, should consider leading a small group in your church through it.

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