Anybody can go borrowing. There are times as a person when we have some expenses to make and the finance is not available. The next option could be to borrow, whether as a Christian or unbeliever.
There are several advantages of borrowing money. And there are several disadvantages too.
* One of the advantages, first of all, is that it calm down your tension regarding the issue you are having at hand. If the money you borrowed is enough to solve the problem you become relief and get merrier.
* The second advantage is that it takes away shame from your face. You nolonger feel that your situation is worst than every other person's own. You can go about your activities with ease.
* And the third advantage is that it momentarily allow you to focus on standing on your feet again. With better plan, you are able to bounce back and recover what you have lost.
However, there are some disadvantages of borrowing money to solve problems. No matter how you view it, it can not clean off these facts.
* One, you have become a 'slave' to your creditor. You consciously or unconsciously signed up the deal. And he is at liberty to tell you what he wants and how to get back his money.
* Two, everything you are doing financially is tied round on paying back your debt. Even if you are in a pay job or still investing in your business you are daily conscious about it.
* Three, you don't have the liberty to spend your money freely for fear of being noticed by your creditor. He might not be around you but the wall have ears.
* And fourthly, in terms of the inability to pay back the loan, your problem becomes double.
There are several stories of people whether christian or unbeliever who have been badly affected as a result of loan. They never imagine the situation will go the other way. As the creditor come asking for his money the blood pressure shoot up and eventually lead to heart failure or stroke.
As a Christian there are some ways we need to apply when deciding to borrow or have borrowed loan, in order to avoid heartbreak or failure. It doesn't matter whether the loan is from an individual, club, association, church, microfinance or bank.
First and foremost, seek God's directive. Remember God promises to guide your heart in the way you should go. Pray concerning the plan, Prov. 16:3. Don't be lured into it by somebody or any circumstance.
Two, don't borrow more than what you can repay. Understand that it is better to chew what you can shallow rather than allowing it to hang in your throat.
Three, seek peace and understanding with your creditor. As long as it takes you to settle the debt, you must know for sure that you're a slave to your creditor and therefore must be in good terms with him Matthew 18:27.
Four, don't run away from your debt. Remember you are not the first to owe or be in debt. Control your action and emotion. Your creditor can not just kill you for owing, knowing fully well that your death will not recover his money.
Five, pray for favour. Avoid the temptation of borrowing to pay your creditor, rather seek for favour from God. He can bring people who can assist you freely. Isaiah 41:10.
Six, if you know you don't have the courage to borrow don't try it. Channel your thoughts to other directions, like asking seriously for help from your local church, club, association, colleagues, relatives and good friends. And even if nothing still happen, don't cross the line, stay positive because miracles still happens, 2 King 4:7
In conclusion, try to avoid loan embarrassment as a Christian. Don't put God in a hot seat by borrowing loan to do wedding, burial, naming ceremony or graduation. If you can't take the pain, sew your clothes according to your size.
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