“Keep your lives free from the love of money and be content with what you have because God has said, ‘Never will I leave you; never will I forsake you.'” Hebrews 13:5–NIV
We need to trust God with all our heart, mind, and body. That, alas, means to trust him with our money. That’s what the tithe and savings accounts are for. We should all live on 80% of our income. 10% belongs to God, payable to a local church congregation or some other ministry that is doing his work. 10% belongs in savings or investments so that when hard times come (and they will to everyone at one time or another) we have resources to see us through.
The borrower is servant to the lender, and we cannot serve two masters. For tithers with credit card debts, it is a constant struggle to keep serving God and not be overwhelmed with the debts. And how can they save for the time of trouble? They’re already in trouble. For people who run up debts and do not tithe or save, for people trying to live on more than 100% of their income, isn’t it clear that they are serving their own appetites and whatever companies they owe money to more than they can possibly serve God?
Whatever choices we have made in the past are not irrevocable. That should comfort those who have made bad choices and warn those who have made good ones.