Step #1 Recognize your need for God's help.
Step #2 Make a 3-month commitment to get involved in a small group financial Bible study group (OR with a godly financial counselor) who will help hold you accountable for doing financial Bible studies and budget/debt/financial planning. Call Crown Financial Ministries for a Bible study group in your area (www.crown.org 1-800-722-1976).
Step #3 Begin reading, listening to tapes and studying Biblical insights into how to manage your finances.
Step #4 Recognize God as the Owner of all you have and set up a plan to actively give to God first (at least 10%) whenever you get any income.
Step #5 Actively determine your present living expenses and specific debts.
Step #6 Decide to look to Christ for your needs instead of credit. Take whatever steps necessary to take away the temptation to further spend money you don't have.
Step #7 Develop a new lifestyle and spending plan (giving, savings, spending, and debt-pay-back plan.
Step #8 Send your creditors a copy of your new spending and pay back plan.
Step #9 With God's help; begin to make needed lifestyle adjustments you believe He wants you to make
(i.e. job, housing, vehicle, clothing, etc.)
Step #10 Set up a record keeping system that will allow you to monitor your income & expenses.
Step #11 Follow your plan. As you have extra money, pay off your smallest debts first.
Step #12 As God brings people in your life with similar needs, help others as God has helped you.
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ABOUT THE AUTHOR: Brian Kluth is a national and international speaker and writer
on Biblical generosity and financial matters.
He is also a church pastor and the founder of MAXIMUM Generosity, a public ministry dedicated to advancing Biblical generosity through inspirational preaching, leadership training seminars, writing, resources and the media. Brianís written materials have been distributed to more than 350,000 Christian leaders in more than 100 countries .For additional materials or to contact Brian, email:
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