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Giving Despite Your Debt

And do not forget to do good and to share with others, for with such sacrifices God is pleased. (Hebrews 13:16)

We talked about practicing generosity. As followers of Christ, we are called to be generous with what we have been given. You might be thinking, “I want to be able to give, but I have so much debt that I don’t have the margin to give.” It is true that generosity is hindered by excessive debt. If you want to become the giving person who God wants you to be, you have to deal with the issue of excessive debt.

These are four simple steps that will help you address the debt you have. In turn, this will help you practice generosity.

  1. Know your financial condition. Proverbs 24:5 reminds us, The wise prevail through great power, and those who have knowledge muster their strength. In other words, knowledge is power. The more knowledge you have of your financial condition, the better off you will be. I realize it is tempting to avoid looking closely at your finances, for fear of feeling stressed and worried about your money. I encourage you to take the time to look closely at how you are using your money; then start using it more effectively and efficiently.
  2. Confess if necessary. After you have taken a closer look at your finances, I encourage you to understand how you got where you are and determine if your financial circumstances are self-inflicted. Proverbs 11:28 says, Those who trust in their riches will fall, but the righteous will thrive like a green leaf. If you have been trusting in your money more than you are trusting in your Heavenly Father, confess and repent of that sin today. Ask God to help you place your trust in Him first and foremost.
  3. Plan to put God first. It is vital that you have a plan for handling your money. It is even more important that you place God at the top of that plan. This Proverb tells us, The simple believe anything, but the prudent give thought to their steps. (Proverbs 14:15) The best thing you can do to address your debt is to develop a plan (often called a budget) and place God at the top of that budget. By doing so, you will plan to give to the Lord each month.
  4. Wait on God. For many people facing excessive debt, they  aren’t very good at waiting. They want it right now. Instead of putting yourself in debt, wait on the Lord to provide for you. You could miss out on God’s blessings because you are too quick to take care of yourself. Try waiting on Him to take care of you.

As you follow these four steps, I hope you will be encouraged to give back to God, regardless of your current financial circumstances. Instead of thinking you can’t afford to give, you need to understand that you can’t afford not to give. Everything we have is a gift from our Heavenly Father. By being generous toward Him, we are showing Him that we trust Him. We are demonstrating that we honor Him for blessing us.  


  1. Susette Loughney on July 29, 2022 at 5:15 am

    I will do that. I want to please my God and Jesus.Amen

  2. Kelly on July 29, 2022 at 6:43 am

    I use to have fear, would not answer debit collection etc…. I trusted God. My circumstances are different and I sleep better. I give to the lord weekly

  3. Bob schmieding on July 29, 2022 at 6:44 am

    I know first hand, that you cannot out give the Lord. He will take care of your needs as you give back to him.

  4. Mary vakoc on July 29, 2022 at 7:27 am

    God always provides for me!! TYJ

  5. Betty Laughlin on July 29, 2022 at 7:33 am

    My finances stretch farther when I am a faithful giver

  6. Pamela Leigh Hightower on July 29, 2022 at 7:43 am

    This message truly touched my heart.
    Thank you.

  7. Nancy on July 29, 2022 at 7:47 am

    When we lived in Houston and went to The Met, it was suggested to us to attend a financial seminar at, I think, First Baptist. We did…the plan is simple and may take awhile, but well worth it. The process took about a year but now, some 25 years later, except for our home, we’re debt free! Check out Dave Ramsey as well! You’ll never get rid of the debt if you don’t start!!!

  8. James W Howell on July 29, 2022 at 9:24 am

    Father I ask you in JESUS’s name. Help me be a cheerful giver. Thank You Lord !

  9. James W Howell on July 29, 2022 at 9:24 am

    Father I ask you in JESUS’s name. Help me be a cheerful giver. Thank You Lord !

  10. Vera Calderon on July 29, 2022 at 1:46 pm

    First, I give because I want to obey God’s Word, some say we aren’t obligated to give, I say yes we are.. Everything we have God provides all that what we need and more . God’s love, forgiveness of our sins, eternal life, our Lord and Savior and I can go on and on, you know it Pastor Dodd, you said it all, thanks for your message, all messages!
    Vera Calderon

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