{Week 3: Journey to Financial Freedom, Do Something!}

It’s Monday…. you know what that means don’t ‘ya? We are {In Pursuit} of Financial Freedom. D-Day (Debt Free Day) is no longer just an illusion, it is our destination!!!! So are you ready for some more? Great, then let’s jump right in… We are still on Week 3: DEBT…  there’s just so much to give you in this chapter so bear with me.



Okay, okay… I can hear some of you already saying… that sounds good and all, Darlene, but how can you start a budget or even debt repayment if you have nowhere to pull from.

Well, I will tell you something that I am learning right now. Even as I write what I have learned in Crown Financial Biblical Study, our family has its own set of financial challenges. Perhaps that’s why I so desire to share this journey with you all. See, I know what it’s like to get frustrated because your bills are past due and the shut off notices are coming in the mail. I am all too well acquainted with the fear and worry that settles in, making itself comfortable, each time a mortgage letter arrives. I know what it’s like to run out of gas or have the car break down (for the 50th time) and not have the emergency savings account to help bail me out.

In our home, we long to see the day when we will no longer be burdened by debt. We long to see the day when we will be able to simplify our lives and sow into the Kingdom of God in greater ways than our current situation allows us to. We want to honor God with our resources because at the end of the day… it’s all His anyway. And you know what? God is getting us there!

So…. some things I learned… when you don’t have the resources, do yourself and your family a favor:

  • Sit with your husband and talk about your goal as a family (Where you are financially and where you want to be).
  • Write a budget for the money that is currently coming in (Income and Spending Plan)
  • Begin to write ideas for saving money.
  • Begin to brainstorm ideas for how to creatively increase your income potential.
  • Begin to write changes that you could make now to see a difference.
  • Begin to create your {Meal Plan} (this will help you stop making last-minute purchases and fast food outings you can’t afford).
  • Create your {Coupon Binder}, every cent matters.
  • Begin building your emergency savings account even if it is $5 at a time (“Steady plodding brings prosperity,” (Proverbs 21:5, TLB).
  • Get a free copy of your credit report. It’s important to know what delinquent accounts (if any) are reflected on your report. This will allow you to dispute any that are incorrect. click {here}.


  1. Pray… Seek God’s guidance and help. He will bless your faithfulness.
  2. Sell what you are not using. Have something sitting around that you haven’t used in a while??? Why not sell it? Every dollar counts when it comes to getting yourself on track.
  3. Follow the Money Map to decide what to pay off first.
  4. Use bonuses and tax returns to get that debt paid off.
  5. Do not incur anymore debt.

So as you can see, there IS a whole lot you can do even if you don’t have extra money to pay down all you want. The important thing is to move. Don’t stay in the dark about your financial mess. Don’t pretend it doesn’t exist. Face it. Create a plan and bring that plan to the Lord. I assure you- God is so very interested in this area of your life!

Next week I will share with you an amazing testimony of how the Lord provided for the purchase of our first home and also how he made a way for us to pay down over $10,000 in debt that was choking our monthly budget. If it happened for us, when we’ve experienced an addition to the family, 3 lay offs, a house fire, a total loss car accident, and more… then it can happen for you too. Again… God is faithful and He blesses our faithfulness.

Isn’t that something to get excited about?!!!


We are still working on the same memory verse:

“Just as the rich rule the poor, so the borrower is servant to the lender” (Proverbs 22:7, TLB).

Memorize it and continue to remind yourself why you are doing what you’re doing. Remind yourself of what God desires for your life: FREEDOM!


If you are ready to face this obstacle in your life.. Go ahead and turn the above ideas into a checklist. Then one by one, go down the list. I promise you, this alone will motivate, encourage, and stir up in you a new desire to pursue Debt Freedom!


Please stop by and share any money-saving ideas you have…

Don’t forget to stop by and let me know how it’s going for you? Are you excited? Are you overwhelmed? Are you on your own journey to {Financial Freedom}? I would love to hear from you!


Posted on November 7, 2011, in BUDGETING, FINANCES, FINANCIAL FREEDOM, LIFE LESSONS and tagged , , . Bookmark the permalink. 7 Comments.

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