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Debt has become an acceptable way of life for most people. Unfortunately, due to this mindset, they will remain in bondage to it. To eliminate debt from your life, you must change the way you think about it. God does not want anyone to be in debt; however, if you are in over your head, He has a way to deliver you out of it once and for all.

There are two ways to get out of debt. You can use the world's system or the kingdom of God system. World in the Bible doesn't necessarily refer to the physical earth, but a way of doing things. In 1 Corinthians 7:31, the Greek definition for world is "worldly affairs, which include the whole circle of earthly goods and riches, while although fleeting, stir desire, seduce from God and are obstacles to the cause of Christ."

The world's system is influenced by Satan and is designed to keep you in bondage. Methods of debt reduction include bankruptcy, second mortgages and ways to "manage" debt, such as consolidation and signature loans. While these options may look good at first, they often lead to a dead-end.

It's disheartening to see people develop great faith for something like healing but quickly charge or obtain loans for the items they desire, not the items they actually need. Often they don't even consider trusting God for the increase necessary to purchase whatever it is that they want. Instead, they continually fall back on the things they can see and touch.

Other people attempt to do things God's way, but stop when it doesn't seem to be working. They haven't implemented certain requirements—such as checking their hearts for unforgiveness or offense, tithing or showing love toward others—for God to be able to work in their lives.

God has proven Himself faithful time and again throughout the Bible. He is not a respecter of persons (Rom. 2:11). If He delivered one person from debt, He'll do it for you as well. Rest assured that God has a way for you to get out of debt, but it's up to you to take the time to hear from Him and then follow His instructions.

God's Way Or The Highway
Matthew 6:33 (AMP) says, "But seek (aim at and strive after) first of all His kingdom and His righteousness (His way of doing and being right), and then all these things taken together will be given you besides."

Your aim, or focus, should be directed toward God's way of doing and being right. According to this scripture, if you follow God's way, then the things that you don't have will be given to you. This includes things such as money, promotion and favor.

What does the Bible mean by "God's way" when it concerns money? The parable of the sower, or farmer, in Mark 4:11-29 reveals the answer to this question. Basically, a farmer sows seed to produce a crop that will ultimately be sold. From the proceeds of the sale, he is then able to pay his bills and feed his family. You could say that he has to sow to make a living.

Likewise, a sower (one who gives to the kingdom of God above his or her tithe) sows seed (money) for a living. I encourage you to become a sower who gives to live and lives to give.

Many people look at their jobs as their only source of supply. How well does it sustain you? Does it meet all of your needs, including everything God asks you to do? Probably not. Your job alone won't get the job done. It is, therefore, an avenue whereby you can collect seed.

Before you sow any type of financial seed, you must sow the Word into your heart. The Bible calls the Word of God an incorruptible seed (1 Peter 1:23). In other words, the Word will always produce a harvest.

You should not consider sowing money if you haven't first sown the Word into your heart. Why? You must have a clear understanding of the purpose for and blessings of sowing before you can become a willing and cheerful giver.

After the Word is sown in your heart, it must be cultivated. In following the farmer's example, he waters and fertilizes the seed after it is planted. He can't afford to lie around and neglect his crops.

Likewise, you can't neglect the things of God, such as reading your Bible, praying and living a life that is pleasing to Him. A quick way to keep your seed from growing is to get caught up in sin. This could range from bitterness and gossip to lying, fornication or adultery. Sin of any type will block your harvest from manifesting.

Mark 4:26 says, "...So is the kingdom of God, as if a man should cast seed into the ground." Combining this scripture with Matthew 6:33, the verse could read, "Seek ye first [seed time and harvest time]...and these things shall be added unto you."

This is God's way of doing things. Before a farmer can harvest a crop, he first has to sow seeds. Likewise, before you can receive, you must give.

If you want to get out of debt, stop looking at the world's way of debt cancellation. Look to God's way of seed time and harvest.

Sowing into the kingdom of God unleashes an awesome force. You may not start off giving large amounts of money, but the $5, $10 or $20 you sow will release God's unlimited power toward your debt reduction.

You Reap What You Sow
Luke 6:31 says, "And as ye would that men should do to you, do ye also to them likewise." If you want to be released from your debts, start by releasing those who owe you. Verses 32-35 explain how easy it is to do things for the people you like. But anybody can do that!

You'll receive a greater reward, however, if you give to those who don't give in return. The law of seed time and harvest will never cease as long as the earth remains (Gen. 8:22).

Whatever you sow will produce a harvest (Luke 6:36-38). When someone treats you badly, don't sow the same seed. Instead, sow a good seed. You'll reap a good harvest while the other person will reap what they have sowed. Take the opportunity to sow "do-good" seeds instead of "do-bad" seeds.

Jesus said that when you give, it would be returned to you. The Word promises that your harvest will be pressed down, shaken together and running over (verse 38). If you help one person get out of debt, God will use someone else to help you get out of debt.

Why would anyone choose God's "unseen" ways and not the world's system to get out of debt? Because God's ways are proven!

Second Samuel 22:28-30 says, "And the afflicted people thou wilt save: but thine eyes are upon the haughty, that thou mayest bring them down. For thou art my lamp, O Lord: and the Lord will lighten my darkness. For by thee I have run through a troop: by my God have I leaped over a wall."

The world doesn't have an effective way to get out and stay out of debt, no matter what a credit counselor may tell you. God, however, does!

First published in the January 2004 issue of
Changing Your World Magazine
Copyright © Creflo Dollar Ministries All rights reserved.

Author Biography

Creflo A. Dollar
Web site: World Changers Church International
Creflo Dollar is a founder and senior pastor of World Changers Church International (WCCI). He's a world-renowned Bible teacher, sought-after conference speaker, and bestselling author with hundreds of books, CDs, and DVDs in distribution worldwide. Recognized for his cutting-edge revelation and humorous, pragmatic approach, he enables thousands to experience grace, restoration, healing, and financial breakthrough by applying simple, biblical principles to their lives. He is the author of such game-changing books as "The Radical Life of Grace" and "Why I Hate Religion", and his award-winning Changing Your World television broadcast reaches nearly 1 billion homes. His ministry includes an app available on mobile devices and smart TV's, a dedicated YouTube channel, and the Changing Your World Network, a 24-hour online channel. A thriving social media presence has allowed him to connect with World Changers worldwide.

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