Are we becoming a borrowing generation? Or we are already deep in it?

When I first saw the sermon series for the month of September, I will say it was fascinating and thought provoking. I didn’t know what lay ahead. You see, we are in a season where vaccinate has become a common word in the current day. All thanks to covid 19 for putting new words in our interactions. We are having similar terms the whole world, even the people in the deep village resonate with the same. What a way to unite the world!

We live in very interesting time, all that can be shaken has been shaken! In the wake of the pandemic, our livelihood has been robbed of us. Our businesses closed, we lost jobs, hefty paycuts, lost loved one’s, spent on hospital bills, the list goes on. This has exposed our finances. If you want to cause chaos this season, ask someone for money. This is an uphill task,well, the marginal propensity to spend is at its lowest, we want to keep the little cash we have.

Truth be told even before the pandemic, our finances, and things surrounding us were wanting. When we talk about any project, matters finance, the most quick fix is borrowing. In our day, the most selling products are tied to loan, buying on credit rather than cash, our banks advertise of cheap loans,are they even cheap? We have quick online apps that give quick loans to any one without security required.

What has this turned us into? We have become a borrowing lot. When we think business, car, land, not forgetting our government, roads are constructed on debt. A case in point, if you want to send money, it’s of necessity to ask if one has debt on their mobile money. This doesn’t sound real.

The only reason people save is to get loans, such is a bad mentality and wrong reasons to save. A case in point a guy would save in many saccos so that they can borrow multiple times.Borrowing is our way to success. There is unwritten rule that your way up to success is through borrowing.


What indebtedness has done to us:
1. Debt courses stress, you are not rested because debts are all over. End up switching off the phone.
2. Destroy relationships you work for the other person. We have a saying that says giving debt is the last death to a friendship,  when you owe someone when they call, to say hi they won’t pick. The Friendship fizzles like that.
3. Great embarrassment, the debt collectors are merciless . The shame of having your property and electronics auctioned at a throw away price. This happens in presence of people who didn’t even know you had a debt.
4. Debts and loans keeps us away from following God. Employers tie us by giving us loan. When the call of God is on us,we fear how they will survive after leaving a job . We can’t leave our jobs in fear of how we will service our loans.

Assumption that borrowing is the fast way to make it. There is a notion of faking it till we make it.We are an impatient generation. We want instant things.
Proverbs 13:7,11
[7]There is one who makes himself rich, yet has nothing; And one who makes himself poor, yet has great riches.
[11]Wealth gained by dishonesty will be diminished, But he who gathers by labor will increase.
Process,process,it is a tough thing to go through

We seem to know what tomorrow will be; I will keep my job,I will be healthy, we have become presumptuous. It is at this point that the reality of bank is not your friend seems to dawn on us. We are so sure about our tomorrow without trusting God for it. When our jobs,health take a detour we are clueless how to navigate, we end up in debt. Rarely do we trust God for provision in totality. We think its only by borrowing that we can fix our issues.

Knowledge that we cannot get the blessing by violating God laws . When we ask for loans rarely do we enquire from the Lord. Most times we pray for it to be approved. At times we engage in things that are not in line with what God has asked of us, and when we hit a gridlock we come back asking where God was, when things crumbled
Proverbs 19:3
[3]The foolishness of a man twists his way, And his heart frets against the Lord.

Rarely do we fully trust God to provide our needs. Most times we doubt God’s providence, we ask but we go ahead to fix.
Proverbs 3:5-6
[5]Trust in the Lord with all your heart, And lean not on your own understanding;
[6]In all your ways acknowledge Him, And He shall direct your paths.


We are suspicious of God; we like to be in control, I want to know how it is going to turn out. We want to know how the end will be.
Proverbs 10:22
[22]The blessing of the Lord makes one rich, And He adds no sorrow with it. The writer of the song sang and said; Oh what peace we often forfeit oh what needless pain we bear all because we do not carry everything thing to God in prayer.

Debt is  a contentment problem:
I Timothy 6:6-10
[6]Now godliness with contentment is great gain.
[7]For we brought nothing into this world, and it is certain we can carry nothing out.
[8]And having food and clothing, with these we shall be content.
[9]But those who desire to be rich fall into temptation and a snare, and into many foolish and harmful lusts which drown men in destruction and perdition.
[10]For the love of money is a root of all kinds of evil, for which some have strayed from the faith in their greediness, and pierced themselves through with many sorrows. The Good Confession

Resolve in matters debt; Make a spiritual decision debt will not an option for me. Debt is not inevitable. Resolve that I will not borrow again and trust God for all my needs undoubtedly that he will provide.
2. Believe that everything you have comes from the Lord  Jireh is enough God. In every circumstances
II Chronicles 16:9
[9]For the eyes of the Lord run to and fro throughout the whole earth, to show Himself strong on behalf of those whose heart is loyal to Him. In this you have done foolishly; therefore from now on you shall have wars.”
3. Confess my sin, choose to release those who wronged me especially those who made ms

me get into debt. 
Psalms 37:14
[14]The wicked have drawn the sword And have bent their bow, To cast down the poor and needy, To slay those who are of upright conduct.
4. Practice gratitude daily.  How did I see or miss God in the course of the day. Have a gratitude jar and I will know how many things worked out on a bad day.
5. Stop comparing myself with others. Comparison is the thief of  joy.  People are living a lie and what they show on the outside is just show off. Especially in current days of social media and celebrities who are parading all they have everyday a new thing,  they don’t even repeat clothes.
Proverbs 13:7
[7]There is one who makes himself rich, yet has nothing; And one who makes himself poor, yet has great riches.

6. Help other people it may not financially but also in terms of acts of service.  Most times we are limited in the name  of we don’t have money.  Prayer is also something we can give it out to people.

Freedom prayer
Dear heavenly Father,thank you because you are the source of everything I am and
everything I have,my gifts,talents and resources are all gifts from you. I confess
that I mismanaged the resources that you have entrusted to me (1st John 1:8_9). I
confess my impatience presumption and suspicion of You that has led me into debt.
I have made assumptions about the future and taken matters into my own
hands please forgive me.

I also in the same breath forgive all those whose actions
have contributed to my financial predicament (Luke 11:14)
Your desire for your children is that we shall one no one anything except love.
(Romans13:9). Your word says that it is For freedom that Christ has set me free ,and
that I should stand firm and not allow myself to be become a slave (Galatians 5:11).


Today I commit before you with your help that I will never again rely on debt to
rescue me and that I will never again be a slave to debt (Poverbs 22:7)
Your desire for your children is that we shall owe no one anything except love
(Romans 13:8) your word says that it is For freedom that Christ has set me free ,
and that I should stand firm and not allow myself to become a slave (Galatians
5:11)


Today I commit before you with your help, that I will never again be a slave to debt
(Proverbs 22:7)
Upon this Confession O Lord, I now ask for your wisdom and supernatural resources
for clearing any debts that have entangled me (Proverbs 6:5) . Help me as I begin
the work of listing those who I owe money to and working out a repayment plan. I
pray that I will find favour with my creditors and that you will give me the resolve
and discipline to clear all debts.


As I take this step of faith, I praythat will miraculously supply all that I need
according to your riches in glory through Christ Jesus (Philippians 4:19)
I break the curse of indebtedness and I pray for complete deliverance for my family
in Jesus name. We shall not be a family of givers (Proverbs 37:21). We will not live as slaves but will enjoy the blessing of the Lord which brings wealth and adds no sorrow. (Proverbs 10:22)


May oil of my descendants be blessed financially and may we become a blessing to
the nations (Genesis 12:3).
I choose to count my blessing every day for your provision for me (1
Thessalonians 5:18) .
Give me a spirit of gratitude instead of discouragement. I choose to trust in You
give me a testimony that will become a blessing to many (Romans 8:28). And I
promise to give You all the glory as Jehovah Jireh my provider

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s