It is absolutely not God’s will for you to live in lack.

In my post, ‘Got A Problem? God’s Got A Plan For That!‘, we saw that whatever negative situation you may find yourself in, God has a plan to get you out and that includes getting you out of debt and / or lack. It is absolutely not God’s will for you to live in lack, God’s will for you is as far removed from that as possible. I have previously explored this in a number of posts, and it would take too long to go over it again here. For further study you can read the following posts:

The first thing that you absolutely must do is to tithe.

Obviously I cannot give you God’s personalised plan for you, as I don’t know what it is! You will need to seek God for that yourself, as I explained in the post ‘Got A Problem?….‘. But what I can do, is to give you some guidelines as to what you can be doing in the natural, whilst at the same time believing for God to work in the supernatural on your behalf. The first thing that you absolutely must do is to tithe. To be clear, you do not have to tithe – if you’re happy to stay in debt and / or lack that is. The following posts talk more on tithing (and it’s actually a good thing, by the way!):

A foundation needs to be built upon.

Tithing is the foundation, but a foundation needs to be built upon. Which means that if you want to progress beyond your current situation you must also give, and give cheerfully. That last part is very, very important! 2 Corinthians 9:7 says, “Every man according as he purposeth in his heart, so let him give; not grudgingly, or of necessity: for God loveth a cheerful giver“. If God loves a cheerful giver then by implication, God is not to impressed with a reluctant, miserable giver. These posts explain more on Biblical giving, :

If we want God to supernaturally take us out of debt / lack then we must do our part.

I realise that I have listed a lot of previous blog posts here, but if you do not know what I have talked about previously you only have half the picture. Any efforts you make to get out of debt / lack based on this post will fail, if you are not tithing and regularly giving. OK, now let’s get into the next part of the plan. If we want God to supernaturally take us out of debt / lack then we must do our part, and this means that we must be good stewards of the money we currently have. Just like the servant in Luke 19:17 who was told, “Since you have shown that you can be trusted with a small amount, you will be given ten cities to rule” (Contemporary English Version). Being a good steward includes keeping track of our personal or family finances.

Set money aside each month for certain events during the year such as Christmas and vehicle servicing.

If you have the ability, set up a spreadsheet or something similar that can record your monthly income and outgoings. If not, there is budgeting software & apps available which you can find if you look. Whatever method you use, keep a track of what you are spending and keep an eye out for areas you can make savings in. In doing this you should be planning to set money aside each month for certain events during the year such as Christmas and vehicle servicing, so the money is there when you need it. You also should put a regular extra amount into paying off any debts (including any mortgages). If you have multiple debts, a good plan is to focus on paying off the smallest debt first and then move to the next smallest, putting all the money you were previously paying for the smallest debt into the next smallest.

Do not allow yourself to develop (or to maintain) a poverty mindset.

You may be thinking that although keeping track of your finances in this way is a good idea, getting out of debt is still going to take a long time, especially for mortgages. But you need to keep in mind that you are not relying on only natural methods. What you are doing, is being diligent by doing what you can do in the natural, whilst at the same time believing for God to add His ‘super’ to your natural. So watch what you are spending etc, but do not allow yourself to develop (or to maintain) a poverty mindset. Whilst you are working this plan, you need to be speaking abundance and you absolutely need to cut out phrases like, “We can’t afford….“. If you think that something is not a good use of your money at this time, then don’t do it, but watch your words – and yes, it does matter! See ‘Watch Your Mouth!!!‘ and ‘Words: Powerful Weapons & Deadly Traps‘ for more on how important it is to choose our words wisely.

We are required to be good stewards of our money.

Finally, as your finances begin to flourish, do not be tempted to abandon the discipline of keeping financial records. Whilst the need may not be so apparent, we are required to be good stewards of our money, regardless of whether we have a little or a lot. These records will also be able to show how God has increased you in the financial realm. The most important advice I can give as you begin to prosper is to never, ever forget Deuteronomy 8:18, “Thou shalt remember the Lord thy God: for it is he that giveth thee power to get wealth“. Once the debt is gone, a good plan would be to save between 3-6 months worth of normal monthly expenses. Let me just add one thing in finishing: saving is a wise thing to do. However never see the money you have saved for any reason as off limits, if God tells you to give some or all of that money, be quick to obey. As you do, your saving account, your storehouse will be blessed. It will not stay empty for long.

If you have any further questions or thoughts, please feel free to leave a comment.


If you have never received Jesus as your Lord & Saviour, if you have gone away from God, or if you have any doubts regarding your salvation. I encourage you to click on the link below. Clicking on the link will not secure your salvation, but praying the prayer you find, from your heart, will.

For the salvation prayer, please click here.

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