Tag: debt

Posted in Grace, life, money, Scripture, thankful

A Tale of Two Cards

Posted on by Dewayne Taylor

 “For the wages of sin is death, but the free gift of God is eternal life through Christ Jesus our Lord.” Romans 6:23

Two cards–as different as night and day. In my wallet I carry lots of stuff but there are two cards that tell very different tales. Let me explain. Stuffed in among the stuff are two cards that I can used to buy stuff. The first is a credit card. After proving to the company that I was worthy to have their card, they allow me to buy stuff with the clear understanding that when I do I have to pay them back. And, if I don’t pay them back in full every month, I have to pay some interest–lots of interest. For the record, we do in fact pay ours back every month. And interestedly enough, we use this card only to buy the gas for our cars and when I do they pay me 5% on every dollar I spend. But buyers beware–they are just waiting for me to mess up and not pay the balance and if I do–the penalty is way more than that 5%.

Now card two is totally different. Though it is very similar in size and color the very nature of this card is totally different. You see, it is a gift card. Here is how it works. Someone paid the price in full and gave it to me as a gift. When I go to the store I simply walk up to the cash register with my purchase and give the person my card. They process it and then–I simply walk away. There is never a bill at the end of the month, there is never a penalty and in most cases–it never expires. Wow…how about that?

Like I said, even though they look alike, they are totally different. A credit card is a debt and the gift card is a prepaid gift. And that dear friends is the difference between grace and works–religion and Jesus. Works and religion make you work to keep the rules with the hopeless hope of making you right with God. Problem is–it won’t work. Never has and never will. It leaves you with a debt that can only end in eternity separated from God. Bad deal. Grace and Jesus are a free gift from God.  Our only responsibility is to believe in Jesus and in the process receive the gift. Debt–paid in full. No bill ever, no penalty ever–you are free.

That big truth from the Bible can be summed up in Romans 6:23. There we read, “For the wages of sin is death, but the free gift of God is eternal life through Christ Jesus our Lord.” Boom! Reject Jesus and you are responsible for the debt of your sin and you will spend eternity separated from God in a place you don’t even want to think about. But receive Jesus and He takes responsibility for your sin by dying in your place. He paid the price so you don’t have to.

So question? Are you counting on bad credit or God’s grace? Are you hoping that somehow you can pay the debt or will you let Jesus pay it for you? The choice is yours…debt and bondage or grace and freedom. Worried that your debt is just too big? Forget about! He is more than able to handle whatever your sin load is.  He’s got this.  Bro. Dewayne

Posted in forgiveness, Grace, life, Scripture, spiritual battles, Trials

Interest and Consequences

Posted on by Dewayne Taylor

 “For the wages of sin is death, but the gift of God is eternal life in Christ Jesus our Lord.” Romans 6:23

There’s a couple of things you ought to know. First, the devil is not your friend…ever. No matter what he says, no matter what he promises. Someone once said the only constant in this world is change. Check. And that is true in the physical world but in the spiritual world there are two constants–God is good and Satan is a liar. The second thing you ought to know is that sin is always a bad deal. No matter how good it sounds or how good it feels…it is a bad deal. Let me illustrate that for you.

So imagine you get your credit card bill in the mail. Imagine you had several large purchases that month. Even though you try and pay it off every single month…well this one is a little more than you can handle. Let’s say the bill is for $5,500.00. So as you are pondering what to do, you notice that the nice credit card people have a plan “B.” They say, “Instead of paying the card off (the very smart thing to do) you can make a minimum payment–just $113.00 a month. Wow…that would sure help…right? Wrong. You see, if you make just that minimum payment, it would take you…and get ready…seventeen years to pay the debt and with interest instead of paying $5,500, you would pay $15,515.00. What? Can that be right? Well it not only can be…it is. You see, the nice credit card company is going to charge you a whole lot of interest to use their money.

That nice credit card company isn’t so nice when you have to make payments and trust me they never were your friend to start with. Now Judy and I have two credit cards–we use one for gas (which pays us 5% for every dollar we spend) and the other credits us with travel miles for Delta. Both are paid in full each month and by the way when we can’t pay them off–out come the scissors.

So what is the point of this little financial lesson. It is all about sin. You see, like the debt became bigger and bigger because of interest so sin grows bigger and bigger. The old song says that sin will take you further than you want to go, make you pay more that you want to pay and stay longer than you want to stay. No matter how enticing sin seems–remember there is always a payment due and it can be big…real big.

God made a way through faith in His Son Jesus whereby our sins can be paid in full–forgiven. But the fact is we will still sin in this imperfect world and while God removes the penalty of that sin–the consequences–the interest if you will–remains. Satan will surely lie to you and try to convince you that a little sin never hurt anyone. Really? Well, once again remember that little sin nailed Jesus to the cross.

Be wise friend–both with your finances and with your sin. The bondage of debt and the guilt and shame of sin are two masters you don’t need. Don’t walk–run away–run to your Dearest Daddy who loved you too much to leave you in your sin and loves you too much to face that hot mess alone. He is waiting to help. Gratefully and always, He’s got this.  Bro. Dewayne