December 22, 2025
Scripture – “The rich rule over the poor, and the borrower is slave to the lender.”
Proverbs 22:7 NIV
Observation
Choosing to borrow money places an individual in a position of obligation to the lender. Scripture repeatedly warns of the consequences that can arise when debts cannot be repaid, including the loss of personal security and stability. The Bible cautions that unpaid obligations can lead to fear, vulnerability, and dependence on creditors.
Application
The Bible does not identify borrowing money as sinful; however, it clearly warns of the risks associated with debt. When individuals borrow beyond their ability to repay, they expose themselves to the potential loss of assets such as vehicles or homes. Often, debt is driven by an inability or unwillingness to delay gratification. Beyond the risk of loss, debt also requires the payment of interest, which benefits others rather than building one’s own financial foundation. Living within one’s means, establishing a monthly budget, and developing disciplined saving habits allow individuals to meet their needs and goals responsibly. Financial stewardship enables the creation of personal stability and long-term wealth rather than enriching others through interest payments.
Prayer – Lord, you give us your word because you love us. Give us hearts to trust and obey. Amen.
What are you doing? Do it better 