Bring About Change by Remembering Practical Wisdom

Bring About Change by Remembering Practical Wisdom


  • Americans are blessed with a lot of cash flowing through our hands. Bring a halt to some of the flow.
  • Attack the problem aggressively with a plan. Your credit problems didn’t just suddenly appear. It took a lot of steps to get into trouble and getting out will mean taking as much time, if not more, to draw up a financial recovery plan.
  • Debt is incurred because we want something before we have the money to pay for it.
  • Debt is nothing more than borrowing from future income to buy now what we cannot afford with current income.
  • Getting out of debt is an attitude before it is an action.
  • How do you get out of debt? Just like you got into debt…one small step at a time.
  • If money isn’t working for you, it’s working against you and you just don’t know it yet.
  • If you are not content where you are, you will not be content where you want to go.
  • If you don’t borrow money, you can’t get into debt.
  • It’s not what you make, it’s what you spend.
  • Keep track of every penny.
  • Make impulse buying difficult. Leave your checkbook and credit cards at home.
  • Stop spending more than you make.
  • The fear of doing without in the future causes many Christians to rob God’s work of the very funds He has provided.
  • The only problem with borrowing money is that you have to pay it back.
  • The purpose of budgeting is to free you, not confine you.
  • We buy things we don’t need with money we don’t have to impress people we don’t like.
  • We should avoid debt whenever possible. In this situation, can I avoid debt?
  • When you find yourself in a hole, the first thing to do is stop digging.


Debt is like cancer. At first it is not life-threatening, because it involves only a cell or two. But it never stays tiny. It begins to grow and then it takes over. It becomes the master; you become its slave. Never believe that a little debt, manageable as it may seem, is okay. It is not. Neither is a little cancer.



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Content © Rich Brott, 2011

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