Too Much Month At The End of The Money
Many people find themselves caught up in the “Too much month at the end of the money” cycle, and they have been caught up in it for so long they have come to believe there is no way out of it. However, people really do live debt-free, and most of those people are not rich folks. They are smart folks who figured out if they kept doing what they were doing they would never escape the debt trap. And if you want to break the “Too much month at the end of the money” cycle, you will have to make some changes. And those changes begin with understanding that “No one helped you to get into this trap, and no one is going to help you get out of it.” It’s your baby. However, if you are willing to face facts; you are well on your way to being debt-free.
Next, you need to understand, greed with a capital G is the root of the problem, and your problem started when you looked at what your neighbor had and wanted to enjoy his lifestyle on your income. It also didn’t help that you did not understand that he was eying what his rich neighbor on the other side of him owned and he wanted to be like him, and so it goes. If we are going to win over this situation, we must accept where we are and make plans to get to where we want to go. Real life is not like the board game ‘Life” where a person can roll the dice and skip six spaces. There is only where we are, and where we want to go; and there are no short cuts to get there.
Debt is a money pit. It is deeper than the pits men in many parts of the world dig and disguise to trap wild animals, and if a person continues the practice of spending money they don’t have; before long they will find themselves at the bottom of a similarly disguised pit that is so deep sunlight will have to be piped down to them just so they can see the top of the pit. But by that time they will know how bad the problem is by the number of collection calls and collection letters they receive each day.
A person is in debt when they don’t have enough money in their bank account to cover their present expenses and they promise to use their future earnings to pay for something they can’t pay cash for right now. The person who makes these kinds of promises is putting their family’s future welfare at risk. And how honest you are as a person has nothing to do with whether or not you have a job a year from now. We have no promise we will be employed in the future, and promising to pay for something with wages we have not yet earned is pure foolishness on our part.
Luke 6:38 tells us to, “Give, and it shall be given unto you; good measure, pressed down, shaken together and running over shall men give into your bosom. For with the measure you use to give out, it will be measured back to you.” The opposite of this scripture is true as well. Spend more than you make and what you have shall be taken from you; good measure, pressed down, shaken together and running over shall men take from your bosom. For the measure in which you spend, it will be measured back to you. Please understand, God did not create man to be a burden to anyone. He created man to be free of restraints. The only person we are to be dependent upon is Him. He tells us to “Owe no man anything except to love him.” But worldly people will tell you it’s impossible to live God’s way. They tell you a person must borrow or be in debt to get ahead in this life. To a sane person that statement make no sense. You are not going north if you are going south. It’s impossible to get to where you want to go in life if you continue going in the opposite direction. Debt and borrowing are polar opposites of debt-free living. You can’t get out of debt and live a debt-free life unless you stop spending what you don’t have and start saving. However, I find, most people don’t want to stop spending. It’s a habit. A bad habit, but a habit nevertheless. And if you can’t control your excessive spending you have no choice but to pay the piper. But if you decide to stop the excessive spending and live within your means, you will find that when you come to the end of the month, you will have broken the cycle of “Too much month at the end of the money.” Enjoy! DThrash