I want to start by saying, “Thank you” for coming to this web site.  There are many subjects here for you to look at and consider.  I am adding new ones all of the time so come often and tell your friends.  If you would like a particular subject addressed that you don’t see here, please feel free to tell me about it for I want this site to be a blessing. 


All right, let’s look at the subject of borrowing money.  This lesson is a well-versed subject in the Bible.  Any lesson concerning money is certain to be of interest, especially since money is what drives our nation and the truth is that as Americans we spend more than we save.  Economists are concerned about this and are taking steps to educate people on the dangers of debt.  Is God concerned about this part of our lives as well?  Does the Bible really give us wisdom concerning our personal finances?  The answer to both of these is yes.  You may also be interested in the study “Financial Freedom” for more help, check it out!


Debt is Bondage.


“The rich ruleth over the poor, and the borrower is servant to the lender.” Proverbs 22:7 (KJV) 


There is something going on in the world today that proves this scripture to be true.  It is the rich bringing the poor into bondage through the avenue of debt.  Solomon, who wrote the book of Proverbs, was the wisest man of his day.  When it came to money he had the insider information.  His wisdom, which came from God, is still true today.  He understood that borrowing is a way to get into bondage that will last for many years, maybe even a lifetime.  This bondage can cause many negative things to happen in your life, such as marriage problems, depression, a sense of hopelessness and even bankruptcy.  There is a better way.


“For the Lord thy God blesseth thee, as he promised thee: and thou shalt lend unto many nations, but thou shalt not borrow; and thou shalt reign over many nations, but they shall not reign over thee.” Deut. 15:6 (KJV) 


God told Israel, his people, that they could be on the top.  Blessings according to God are not things that we have acquired by borrowing but by paying for them when we get them.  Think about it.  The ruler of your life will be the one you owe money to.  He has a certain degree of control over you.  He will dictate how much you have to work and how much of your money you get to keep.  This can and is very frustrating to many people.  However, you can decide not to have this frustration in your life. 


“He shall lend to thee, and thou shalt not lend to him: he shall be the head, and thou shalt be the tail.” Deut. 28:44 (KJV) 


Have you ever wondered why it seems like you are being dragged along instead of leading?  Maybe it’s because you ARE being dragged along.  Debt has a way of taking over and you can’t get ahead even when you try hard.  This is because the nature of debt is mastery, it takes over and controls.  The above verse tells us that the lender is the head and the borrower is the tail. 


Question #1  Would you like to be in control of your financial future?


Financial Freedom From Bondage


Right now, it may seem as though you have no way out of your situation.  The truth is, you DO have a way out. 


The first step is an obvious one.  Stop borrowing.  This will not get you out of debt right now but it will keep you from getting further into debt and bondage. 


Secondly, find a certified financial counselor and set up a plan to begin eliminating the debt you do have.  This may include selling some things to pay off these debts.  It might mean cutting back on your lifestyle to free up some money for debt elimination.  It may seem like a great sacrifice at the time but after your debt begins to diminish you will get excited.  Be creative and you may find that a more simple life is a happier life.

Thirdly, get hooked up with people who know the Bible and can be a source of encouragement.  Sometimes we need others to help us through periods of temptation.


Thirdly, prayer is a powerful way to get strength from God to help in the time of need.


“But my God shall supply all your need according to his riches in glory by Christ Jesus.” Philip. 4:19 (KJV) 


Jesus Christ will step in and help you when you begin to do the right thing with your finances.  He loves to cancel spiritual debts and will certainly help you with your material ones. 


“Then the lord of that servant was moved with compassion, and loosed him, and forgave him the debt.” Matthew 18:27 (KJV) 


Can you imagine being debt free?  When you are free from financial debt and spiritual debt you can say, “I am free!”  Jesus Christ has the answer in every area of your life and that also includes finances.


“If the Son therefore shall make you free, ye shall be free indeed.” John 8:36 (KJV) 


Question #2  Do you want to be free?  If so, is it financial, spiritual or both?




Thanks for taking the time to go through this lesson with me. If you are interested in going further into this subject, I would like to recommend “FINANCIAL FREEDOM” in the family section.  I pray that this lesson has helped you.  Please let me know if it has and tell a friend.  If there are some subjects you would like to study and can’t find, let me know about it, I am always updating and adding to the site.  Feel free to browse and check out the other studies.  There are people in your area that can help you.  If you would like to get in contact with a group of Bible believing people that can encourage you, simply leave us a way to contact you and we will get with you as soon as possible.  Remember, Jesus wants you to be free.





Greg Wirths

Focus on Freedom


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  1. […] Those choices will include the handling of personal finances.  I have written two lessons entitled “Borrowing Money” and “Financial Freedom” which are not at all exhaustive on this subject but give a good […]

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