这篇很实在，现在很多教导理财的文章，帮助那些在错误思想指导下，借了很多债的老美，我也在这里犯了同样的毛病。
华里克牧师的每日灵修-理财系列
http://zh-cn.youversion.com/reading-plans/rick-warrens-daily-devotional/28
罗马书 13:8 凡事都不可亏欠人，惟有彼此相爱，要常以为亏欠，因为爱人的就完全了律法。
摆脱债务
我对你的希望是，你在本十年结束时不再负债。这是可能的，如果你按照原则做。让我说，如果你从来没有不欠债过，你不会知道你不再欠任何人任何东西是多么自由。
这就是为什么它是重要的 - 如果现在呼召你你去做什么，有些人不能这样做，因为你欠了很多债。
圣经说，我们不应该暂缓偿还债务，我们应该有未负的帐。这是什么意思？如果您只在您的信用卡支付最低，你是让债务仍然悬而未决。圣经说，不要那样做。神是不会为此保佑你的。
您需要设置还款。你也许会认为这将是艰苦的。这是很难！这就是为什么大多数人在债务中。如果没有困难，大家会富起来。事实是，大多数人都没有的性质与纪律，做上帝告诉他们做什么。首先，给予10％至神;第二，把节省10％，然后，做出还款计划。
Become Debt Free
My hope for you is that you will be debt free by the end of this decade. It is possible, if you are disciplined. Let me say, if you've never been debt free, you have no idea the freedom you will experience when you no longer owe anybody anything.
And this is why it is important -- If God told you to go do something right now, some of you couldn't do it because you are in such financial bondage.
The Bible says we should not withhold the repayment of your debts, that we should let no debt remain outstanding. What does that mean? If you are only paying the minimum on your credit card, you are letting a debt remain outstanding. The Bible says don't do that. God is not going to bless that.
You need to set up repayment. You may be thinking that would be hard. It is hard! That's why most people are in debt. If it were easy, everybody would be rich. The fact is, most people do not have the character and the discipline to do what God tells them to do. First, give 10% to God; second, put 10% into savings; then, set up a repayment plan.
You say, "Wait a minute. Are you telling me to save before I pay off my debts?' That's exactly what I'm telling you to do -- because if you wait until you get all your debts paid off to start saving or tithing, you will never do it.
You may think you can't afford, but the truth is, you can't afford not to do it God's way.
