Four Deadly Ds of Debt


“Jun,” an OFW, sent me a private message today to ask for help. Mukhang di na niya talaga kaya ang mga nangyayari sa buhay niya. Ilang taon na siyang OFW pero hanggang sa ngayon, lubog na lubog pa rin siya sa utang.

Sa dulo ng kaniyang email, nabanggit niya ang pagpapakamatay. My heart immediately grieved for him. If Dubai was as close as Quiapo, baka pinuntahan ko na siya, to tell him that there is hope. Life is full of hope. Remove all the distractions and we will all see how beautiful life is in God’s eyes. It is always a blessing.

So, utang muli ang pag-usapan natin ngayon. Paano ba humantong sa ganitong sitwasyon si Jun. Himayin natin ang ilang stages ng debt upang makita kung paano nito nilalamon ang ating pag-asa, ang ating buhay.

Disappointment

The lack of contentment leads to disappointment. This is the biggest issue that brings us to debt. If you lack true contentment, you lose the point in living. True contentment is found in God and God alone.

Ayon sa Crown Financial Ministry, “True contentment, contrary to popular opinion, is not being satisfied with what you have. It is knowing God’s plan for your life, having the conviction to live it, and believing that God’s peace is greater than the world’s goods.”

Discouragement

When we have a distorted view of true contentment, we will always feel discouraged. Nothing will please us; nothing will bring us peace, too. “Other people are enjoying life because they have this or that.” “He has a beautiful house, a lovely wife, intelligent kids.”

Again, from Crown Financial Ministry: “Develop a thankful attitude. Gratitude is a state of mind, not an accumulation of assets. Until we can truly thank God for what we have and be willing to accept that as God’s provision for our lives, contentment never will be possible.”

Depression

The stage where you turn your lack into fear. You are depressed when you reject the drive to face tomorrow, even when you know that God is there to control it in your behalf. It is when Jeremiah 29:11 doesn’t mean anything to you anymore. A Christian must consciously reject this attitude of depression and fear. “I can do all things through Him who strengthens me.” (Philippians 4:13)

And finally, DEATH

I told Jun to remain trusting in God’s promises: “The peace of God, which surpasses all comprehension, will guard your hearts and your minds in Christ Jesus.” (Philippians 4:7) Nasa dulo na siya, pero kahit na. May pag-asa pa rin kung mananalig lamang siya sa ating Diyos.

If you’re in a hard financial situation, I’d like to pray for you. Would you send an email to prayforme@cbnasia.org today? Let me pray for you and give you a few notes, advice, encouragement regarding your financial problem.

There is always hope to those who begin their financial freedom journey in the light of God’s mercy and the guidance of God’s words.

Has this article blessed you? Please tell us about it! You may reach us by sending an email to info@cbnasia.org. We are here to help you get started towards the road to true financial freedom.

 

Jim Reyes is a veteran radio broadcaster, and recently the national director of a Christian media ministry in the Philippines. He has been involved with broadcasting ministries such as FEBC Philippines, United Christian Broadcasters, and TransWorld Radio Philippines. His Utanggalin articles supports the Freedom from Debt Campaign by Crown Financial Philippines, in cooperation with CBN Asia.

22 Comments

  • tnk for the prayer pls. pray for me everyday! Godbless

  • i always watch 700 club everynight before i go to sleep it helps me a lot in easing my present situation regarding my financial problems, pls pray for my lot title to be realese this week without any problem at all thank you!! Godbless!!!

  • APPLE PERLAS

    Because of debts I also go to the point that I want to leave in this world leaving my husband and two young children..Until now I am still in that stage..I know I could not pay them all the same time but what I am praying for is that GOD save me and let me live with my husband and two kids everyday while paying off all my debts..At the age of 40 still I have nothing but family and that makes me cry and make me depressed when i am encountering and battling on how to pay off my debts on banks…while they are giving me threat letters and actions they want I am begging with GOD to help me this time…please show me and give me strength I made mistake and I know I could not get out but please help me in a way I could be with my family together 24/7

    • just hold to the faith you have in Jesus. Your debt has no power to touch you, just surrender your life to Him and He will lead you through. Keep kneeling, and may God’s glorious intervention be upon you. You only have to believe in the Lord’s beautiful promise. Wait and hope in His time, God will make things beautiful in your life. God bless you

  • bing hofilena

    please pray for me,i have some monetary problem and im applying for permanent residence in canada,i hope it will be approve,if you can advise me my cell number is 09154504764,im watching 700 club asia almost everynight,thanks

  • tenaj

    always pray

  • I was in the same situation and I came to a point that I want to kill myself also, but when I looked at my kids, I changed my mind and asked God to lift me out of the deep financial problem I was in. Up to now I am still struggling to pay my debt but am more positive that I will get through this with Gods help and guidance.

  • Merly Manuel

    Gud day po. minsan inisip k rin na bakit ang iba parang easy lng sa kanila ang pera pero bakit po kami kulang n lng gawin namin umaga ang gabi para lng maka ahon sa utang na yan. minsan iniisip ko rn kung mahal pa kami ng Diyos o naririnig pa nya kami. Simple lng naman ang gusto namin maka alpas sa utang at mag karoon ng trabaho. minsan pinanghihinaan n rin me ng loob kasi parang di nya na kami naririnig. palagi naman kaming tumatawag sa kanya pero d ko makita ang kasagutan sa problema namin. sana po matulungan nyo po kami. god bless.

    • Merly, kailangan lamang na patuloy lamang tumawag sa ating Panginoon Diyos at magtiwala sa Kaniyang kakayanan. Sinasabi nga sa atin ng Efeso 3:20, “Siya lamang ang makakagawa nang higit pa kaysa maaari nating hilingin at isipin, sa pamamagitan ng kanyang kapangyarihang naghahari sa atin.” Kailangan ding matutunan nating hintayin ang pagtugon ng Diyos sa lahat ng ating pagtawag sa Kaniya. Patuloy lamang tayong lumapit sa Kaniya. Sa Awit 25:3, ganito naman ang sinasabi, ” Mga may tiwala sa iyo’y huwag malagay sa kahihiyan, at ang mga taksil sa iyo’y magdanas ng kasawian.”

  • Angelica lacdao Robles

    Same problem as mine,but everyday is a new hope.i surrender it to to the Lord at alam ko sinasagot nya ako in a way na makakabuti sa akin at sa family ko.amen.

  • Angeline

    I had same problem.. I left my debt 3 years ago in the country i been working..I was lost my job and that was my reason i couldn’t paid., till now I didn’t have a job.
    I am begging please to pray for me to have a good job so I can pay what I left.. I been keep praying since then but I never think to end up my life because of this matter but to ask GOD for to help me and release all doubts and fear I been through that HE already grant me.. But hoping to help me soon as I believe HE will hear me… Please pray for me also…

  • salhyn

    sa buhay krisyano di mawawala ang problema mas madalas yung mabibigat pa ang kadalasan napupunta sa atin..minsan napapatanong ako bakit kaya?..marami dyan iba bakit yung talagang naglilingkod pa sa Dyos?..Ang Panginoon di sya nagsasawa sa mga hinaing natin na makinig parang kala natin hinahayaan nya na tayo pero hindi..dahil sa kanya kung bakit tayo nagiging matatag,dahil sa kanya bakit tayo nabubuhay,dahil sa kanya ang lahat ng bagay na magaganda..ang lahat ng mga katanungan ko nasagot sa akin ng Panginoon ang mga bagay na nangyayari satin di maganda bunga yun ng paagdedesisyon natin ng pansarili nating kapakanan na hindi man lang natin isinasangguni sa Panginoon kaya ang kinakalabasan ay mga bagay na magpapahirap satin..minsan hindi lang kalaban ang gumagawa satin ng kahirapan kundi minsan sarili rin natin di lang natin napapansin..sa lahat ng pinagdadaanan natin maging maganda man o ito may di kaayaya lahat ng itoy IPAGPASALAMAT NATIN SA DIYOS at patuloy tayong lumapit sa knya gano man kabigat ang lahat..Laging na riyan ang kanyang bisig hindi lang para tulungan ka nais nya rin mayakap ka ng mahigpit dahil ramdam nya kung gano ka nasasaktan at kung gano rin sya nasasaktan bilang AMA natin..MAHAL na MAHAL tayo ng PANGINOON Wagas ang PAG-IBIG nya sa atin..Amen

  • william sarmiento

    una sa lahat isang mapagpalang araw po sa inyong lahat ng bumubuo ng the 700 club asia.isa rin po ako sa nag nanais na humingi ng panalangin isa rin po ako sa mga masugid nyo taga subaybay na nakagapos din sa pagkakautang nais ko na rin pong makalaya sa mga pagkakautang ko kaya po ako humihingi ng tulong upang ipanalangin ang aking problema na nagiging hadlang sa kagustuhan kong mamuhay na isang tapat na mananampalataya napansin ko sa kabila ng aking pagsisikap at pagtitiwala sa DIYOS hindi ko pa rin magawang mapagtagumpayan na makalaya sa aking pagkakautang isa rin po akong ofw sa kabila na natapos ko na ang aking dalawang taong kontrata ay may pagkaka utang pa rin akong dadatnan sa pilipinas nais ko rin pong humingi ng payo kung papaano po maging mananampalataya ang katulad kong bagong mananampalataya.maraming salamat po sa inyo at nais ko na rin ibahagi ang kabutihan ng panginoon sa buhay ko bago po ako mapunta sa bansang qatar sa kagalingang ipinagkaloob nya sa akin ng matuklasan ako na diabetis sa panalangin po ni miss coney reyes naramdaman ko po na akoy pinagaling na ng aking pananampalataya umalis ako ng pilipinas na walang dinalang mga gamot maliban sa aking pananampalatayang akoy pinagaling na ng ating DIYOS sa pamamagitan ng ating panginoong HESUS at patuloy kong pinupuri ang PANGINOON sa kabutihan nya sa buhay ko at muli salamat sa inyong lahat dyan sa the 700 club asia at pagpalain kayo ng ating PANGINOON sa pangalan ni HESUS KASAMA NG BANAL NA ESPIRITU amen!

    maganda araw po!!

  • 2 years ago ganyan din ang nangyari sa akin,i keep on praying to god,na mabayaran ko ang utang ko,pray lng ako,nothing is impossible through god,hiningi kko sa kanya kung paano ko mababayaran ang utang ko,dininig nya ang prayers ko,binigyan nya ako nang work dito sa saudi,at ngayon unti unti ko nang nababayaran ang utang ko..just keep on praying to god…tnx 700cbasia…

  • Mon Castillo

    Me and my wife is undergoing the same financial crisis until now. Please pray for us that this crisis will be resolved so that we can move forward living in the life God wants us to have. I am hoping and praying and I have strong belief that God will hear us and solve our problem financially. Whenever I am afraid and discouraged, I would recall the words of Jesus in John 14:1 which says “Do not let your hearts be troubled. Trust in God; trust also in me.” More power to CBNAsia and to 700Club, may God continue to strengthen you for you are truly a vessel of God. May Almighty God Bless us all in the name of Jesus Christ our Savior!

  • cecille

    ang masasabi ko lang kung anu me ron tayo ngayon palagi lang magpasalamat ng magpasalamat sa itaas, at wag kayo mg atubiling tumolung o magbigay lalong lalo na sa mga na ngangailangan,kahit sa maliit o malaki na bagay o pamamaraan malaki tulong na rin yun sa kanila. God Bless Us All!

  • Ako din po pwd help ng prayer na may mka
    Mka tulong sa akin na mka byad ako sa mga
    Utang ko…
    Bka mapatay aq ng asawa ko pg
    Malaman nya ito….

    • Thank you Gen for visiting our site. Rest assured that we will pray for you. “Trust in the LORD with all your heart and lean not on your own understanding; in all your ways submit to him, and he will make your paths straight”

  • Armand

    magandang araw po sa inyong bumubuo ng CBN ASIA at 700 club asia, kahit hindi po ako kasapi sa inyong organisasyon, may mga pagkakataon din po na napapanuod ko ang inyong programa. Katulad ng marami, gusto ko din po na makalaya sa gapos ng pagkakautang pinansyal. Hindi po maliit ang utang na dapat namin pagbayaran. Sa dami po ng mga ito, ay wala na akong peace of mind, even on my work nadadala ko ang mga alalahanin. hindi ko po alam kung ano ang dapat kong gawin, nag compute ako ng mga dapat kong bayaran monthly, and i compute my monthly earnings, hindi pa po sapat ang kita ko bilang empleyado sa mga bayarin ko monthly, sana po ay maisama ninyo ako sa prayers ninyo, na ma overcome ko lahat ng problemang pinagdadaanan ko.

    • Salamat sa pagshare, Armand.
      Mateo 6:33Datapuwa’t hanapin muna ninyo ang kaniyang kaharian, at ang kaniyang katuwiran; at ang lahat ng mga bagay na ito ay pawang idaragdag sa inyo.
      34Kaya’t huwag ninyong ikabalisa ang sa araw ng bukas: sapagka’t ang araw ng bukas ay mababalisa sa kaniyang sarili.
      Sukat na sa kaarawan ang kaniyang kasamaan.

Leave a reply

required

required

optional