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Welcome to our 31-day corporate fast. Below you will find a devotional post for each day in the month of January to guide us together in discerning the voice of God. Bookmark this page to check back daily, and use the social buttons to share posts to others.


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God’s Plan or Credit?
Jan 28 3:13 AM

God’s Plan or Credit?

Jan 28 3:13 AM
Jan 28 3:13 AM

Go to the ant, you sluggard! Consider her ways and be wise, Which, having no captain, Overseer or ruler, Provides her supplies in the summer, And gathers her food in the harvest.

Proverbs 6:6-8

One of the saddest realities facing our nation is that too many Americans are in debt and have no idea how they got there. Somewhere in our youth, we were convinced to be consumers – people buying things we don’t need, with money we don’t have, to impress people we don’t even like. As a result, we have failed to provide for both ourselves and our families because we are burdened by unnecessary debt. We are unable to buy a house or to save money for when emergencies happen, and we are often lacking necessities because we incurred debt spending credit on our pleasures and desires.  

While there is nothing wrong with using credit responsibly, such as to purchase a home, it is wrong to mortgage our future for the sole purpose of gratifying our current desires. The latter use of credit goes against one of the consistent themes in the Bible – the idea of planning for the future. In today’s passage, we see King Solomon take an example from the animal world to show us the importance of saving and planning. The ant collects its food during the summer, when there are crops in abundance. There are ant colonies where this food is stored and, once the winter comes, the ants are free to eat and hibernate until the warm weather returns.

Like the ant, we should learn how to handle our finances so that during our youth, when we are at our highest earning potential, we can save money for a comfortable retirement. For those of us who are disciples of Jesus Christ, we should be employing the “10-10-80 Rule” when it comes to our finances – the first 10 percent of our income belongs to the Lord, the second 10 percent should be put in savings, and we should use the 80 percent to pay for our living expenses. If we start this plan as young people, we should be able to provide for ourselves and our families in old age. And if you are older, it is never too late to speak with a financial planner about what options are available so that you can meet your needs as a senior.

Consider the following questions:

  • Have you ever made a budget? If you don’t know how, are you willing to learn?
  • Have you learned the difference between a “need” and a “greed?” Can you distinguish between what is necessary in your life and what is a luxury?
  • Are you aware of God’s promises in Malachi 3:6-12 to those who are faithful in tithing? Would you be willing to at least sit down with a person who tithes and ask whether they have experienced those promises?

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