If any of you is deficient in wisdom, let him ask of the giving God [Who gives] to everyone liberally and ungrudgingly, without reproaching or faultfinding, and it will be given him.--James 1:5, AMP

Here are three tips that my husband and I have proven to work for us. We believe they will work for anyone who will do them, for the LORD is no respecter of persons. He wants to help us all be free and prosperous, and Jesus died for that (John 3:15-17, John 10:10)!

(1) Tithe. This is for today, not just for Old Testament times! God only asks for 10% of the gross (before taxes are taken out; from the initial amount, from the whole). He could ask for 50%, or 70% or all of it! 

(2) Pay more than the required monthly amount, which is called "principal". If you can possibly pay the monthly payment twice a month, or at least add a few dollars to your single monthly payment, that will save you money, because you won't pay as much interest (the money the lender charges to loan the money). 

It's a really great feeling to pay off a debt early, and I've done that several times, including with a car I had. I paid two monthly payments, instead of one.  (Note: For some reason, from what I've experienced, it's more powerful to pay two separate payments, on two different days, than to double up on one monthly payment.)

(3) When you pay off a loan or credit card, do not close the account--leave it open! I know, it sounds crazy, and contrary to what should be, right?  It seems that it would make sense (and prevent temptation to use the loan or credit card again!) to close such accounts. However, as my husband and I have learned (to our slight shock, thinking we were good stewards to pay off debt and close the accounts!), when you close an account, it can lower your credit score! 

All the more reason to "owe no man anything but to love him," as Romans 13:8 (AMPC) states: Keep out of debt and owe no man anything, except to love one another; for he who loves his neighbor [who practices loving others] has fulfilled the Law [relating to one’s fellowmen, meeting all its requirements].

So these three tips: (1) tithing; (2) paying more monthly on a loan; and (3) not closing paid-off accounts, to prevent the lowering of your credit score, can only help your financial situation. God bless!

Tonja and her husband live to exalt God. They lift Him up in books (P.O.W.E.R. Girl!; LEGACY; Visions of the King; Your Holy Health; more); presentations; service in church, community, and the world; and via the "River Rain Creative" (309 videos) and "POWERLight Learning" You Tube channels.