Avoid borrowing money if you don’t need it.
As much as possible, don’t go into debt.
It’s better to save up so you can buy the things you need.
If you have a credit card, pay in full every month so you don’t get charged interest. If you have debt that you can’t pay in full, make regular payments and try not to default.
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Lord, I surrender my financial worries and concerns to you, knowing that you are my ultimate provider and sustainer. Give me the faith to trust in your provision and to seek your guidance in all financial matters. Thank you for your wisdom, guidance, and grace. In Jesus’ name, I pray. Amen.