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james423

Lesson 11 - Debt, A Daily Decision

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james423

Overall Question:  What does debt do to a person''s life?

Memory Text: Romans 13:7-8 New Century Version 7 Pay everyone, then, what you owe. If you owe any kind of tax, pay it. Show respect and honor to them all. 8 Do not owe people anything, except always owe love to each other, because the person who loves others has obeyed all the law.

 

Sunday – Borrowing and Spending

Psalm 37:21 Common English Bible The wicked borrow and don’t pay it back, but the righteous are generous and giving.

Psalm 37:21 TREASURY OF DAVID (Spurgeon) So far as the good man can do it, he lends an ear to the requests of need, and instead of being impoverished by what he imparts, he grows richer, and is able to do more.  He does not give to encourage idleness, but in real mercy, which supposes real need. The text suggests to us how much better it generally is to give than to lend.  Generally, lending comes to giving in the end, and it is as well to anticipate the fact, and by a little liberality forestall the inevitable.

Ecclesiastes 5:5 Contemporary English Version It’s better not to make a promise at all than to make one and not keep it.

Deuteronomy 28:44-45 Good News Translation 44 They will have money to lend you, but you will have none to lend them. In the end they will be your rulers. 45 “All these disasters will come on you, and they will be with you until you are destroyed, because you did not obey the Lord your God and keep all the laws that he gave you.

Deuteronomy 28:44 GILL’S EXPOSITION OF THE ENTIRE BIBLE The stranger, or one of another nation, shall be in a capacity of lending to the Jew, when the Jew would not be able to lend to the Gentile, his circumstances being so low and mean.

 

Monday – Stewardship and Instant Gratification

2 Samuel 11:2-4 2 New English Translation It happened, late one afternoon, when David arose from his couch and was walking on the roof of the king's house, that he saw from the roof a woman bathing; and the woman was very beautiful. 3 And David sent and inquired about the woman. And one said, “Is not this Bathsheba, the daughter of Eliam, the wife of Uriah the Hittite?” 4 So David sent messengers and took her, and she came to him, and he lay with her. (Now she had been purifying herself from her uncleanness.) Then she returned to her house.

Genesis 3:6 New Life Version The woman saw that the tree was good for food, and pleasing to the eyes, and could fill the desire of making one wise. So she took of its fruit and ate. She also gave some to her husband, and he ate.

Genesis 3:6 SDA BIBLE COMMENTARY After doubt and unbelief in God’s word had been awakened in the woman, the tree seemed vastly different to her. Three times mention is made of how charming it was; it appealed to her taste, to her eye, and to her longing for increased wisdom. Looking at the tree in this way, with a desire to partake of its fruit, was a concession to Satan’s inducements.

Genesis 3:6 COMMENTARY BY JAMIESON, FAUSSET, AND BROWN Her imagination and feelings were completely won; and the fall of Eve was soon followed by that of Adam. The history of every temptation, and of every sin, is the same; the outward object of attraction, the inward commotion of mind, the increase and triumph of passionate desire; ending in the degradation, slavery, and ruin of the soul

Philippines 3:19 New Testament for Everyone They are on the road to destruction; their stomach is their god, and they find glory in their own shame. All they ever think about is what’s on the earth.

Philippines 3:19 COMMENTARY BY ALBERT BARNES Their attention is directed to honor, gain, or pleasure, and their chief anxiety is that they may secure these objects. This is mentioned as one of the characteristics of enmity to the cross of Christ; and if this be so, how many are there in the church now who are the real enemies of the cross!

1 John 2:16 New Living Translation For the world offers only a craving for physical pleasure, a craving for everything we see, and pride in our achievements and possessions. These are not from the Father, but are from this world.

1 John 2:16 SDA BIBLE COMMENTARY The expression “pride of life” implies a materialistic satisfaction with worldly goods, a state of mind that substitutes the material for the spiritual. All, in varying degrees, are prone to such pride and need to guard against it. Some take undue pride in their work, others in their possessions, their own beauty, or their children.

Romans 8:8 Contemporary English Version If we follow our desires, we cannot please God.

 

Tuesday – Living Within Your Means

Proverbs 21:20 Holman Christian Standard Bible Precious treasure and oil are in the dwelling of a wise person, but a foolish man consumes them.

Matthew 6:33 God’s Word Translation But first, be concerned about his kingdom and what has his approval. Then all these things will be provided for you.

Matthew 6:33 COMMENTARY BY ADAM CLARKE "A king said to his particular friend, 'Ask what thou wilt, and I will give it unto thee.'  He thought within himself, 'If I ask to be made a general I shall readily obtain it.  I will ask something to which all these things shall be added:' he therefore said, 'Give me thy daughter to wife.'  This he did knowing that all the dignities of the kingdom should be added unto this gift."

Luke 14:27-30 The Living Bible 27 And no one can be my disciple who does not carry his own cross and follow me. 28 “But don’t begin until you count the cost. For who would begin construction of a building without first getting estimates and then checking to see if he has enough money to pay the bills? 29 Otherwise he might complete only the foundation before running out of funds. And then how everyone would laugh! 30 “‘See that fellow there?’ they would mock. ‘He started that building and ran out of money before it was finished!’

Luke 14:28 PEOPLE’S NEW TESTAMENT COMMENTARY This calculation of what any enterprise or step will require before entering upon it is the part of wisdom. So, too, a disciple of Christ should count the cost. It is well to understand that every obstacle to the service of Christ must be given up.

 

Wednesday – Saying No to Debt

Deuteronomy 28:12 New English Translation The Lord will open for you his good treasure house, the heavens, to give you rain for the land in its season and to bless all you do; you will lend to many nations but you will not borrow from any.

Deuteronomy 28:12 COMMENTARY BY JAMIESON, FAUSSET, AND BROWN thou shalt lend unto many nations, and thou shalt not borrow--that is, thou shalt be in such affluent circumstances, as to be capable, out of thy superfluous wealth, to give aid to thy poorer neighbors.

Proverbs 17:18 Contemporary English Version It’s stupid to guarantee someone else’s loan.

Proverbs 17:18 COMMENTARY BY MATTHEW POOLE although the laws of friendship oblige us to love and help our friends in trouble as far as we are able, yet they do not oblige us to become surety for them rashly, and above what we are able to pay, for by that means we make ourselves unable to do good either to them, or to others, or to ourselves.

Proverbs 22:7 Christian Standard Bible The rich rule over the poor,

and the borrower is a slave to the lender.

Proverbs 22:7 COMMENTARY FAMILY BIBLE NOTES To contract debts beyond our ability to pay, is to rob ourselves of that manly independence which belongs to the righteous man's character, and to expose ourselves to innumerable temptations as well as annoyances.  For this reason, as well as from regard to our own reputation and the rights of others, it is a cardinal Christian virtue to "owe no man any thing, but to love one another."

 

Thursday – Saving and Investing

Proverbs 6:6-8 Easy-to-Read Version 6 You lazy people, you should watch what the ants do and learn from them. 7 Ants have no ruler, no boss, and no leader. 8 But in the summer, ants gather all of their food and save it. So when winter comes, there is plenty to eat.

Proverbs 6:6 MATTHEW POOLE’S COMMENTARY ants watch the fittest seasons for all things, that they provide most plentifully against the time of famine, that they never hinder, but always assist, one another in their work, and unite their force together to carry away such things as are too large or heavy for one of them.

Proverbs 13:11 New Century Version Money that comes easily disappears quickly, but money that is gathered little by little will grow.

Proverbs 13:11 GILL’S EXPOSITION OF THE WHOLE BIBLE Wealth gotten by vanity shall be diminished,.... In an unjust or unlawful way, either by robbery and theft…; or by fraud and tricking, by overreaching and circumventing others; or by vain practices, as by cards or dice, and by stage playing and the like; or by curious and illicit arts, as necromancy, judiciary astrology, and such like things; whatever is gotten in a wicked way very seldom lasts long; it lessens by little and little till it comes to nothing.

Proverbs 21:5 New International Reader’s Version Money that comes easily disappears quickly, but money that is gathered little by little will grow.

Proverbs 13:18 Complete Jewish Bible Poverty and shame are for him who won’t be taught, but he who heeds reproof will be honored.

 

Friday – Further Thought

Romans 13:7-8 Contemporary English Version 7 Pay all that you owe, whether it is taxes and fees or respect and honor. 8 Let love be your only debt! If you love others, you have done all that the Law demands.

Romans 13:7 COMMENTARY BY ADAM CLARKE Never behave rudely to any person; but behave respectfully to men in office: if you cannot even respect the man-for an important office may be filled by an unworthy person-respect the office, and the man on account of his office.  If a man habituate himself to disrespect official characters, he will soon find himself disposed to pay little respect or obedience to the laws themselves.

Romans 13:7 BENSON COMMENTARY Render, therefore, to all — Magistrates, whether supreme or subordinate; their dues — What by law, or by the appointment of God, belongs to them, even though you may have opportunities of defrauding them of it, to your own immediate and temporal advantage.

Romans 13:7 COMMENTARY BY MATTHEW HENRY Christians must not use any trick or fraud. All smuggling, dealing in contraband goods, withholding or evading duties, is rebellion against the express command of God. Thus honest neighbours are robbed, who will have to pay the more; and the crimes of smugglers, and others who join with them, are abetted. It is painful that some professors of the gospel should countenance such dishonest practices. The lesson here taught it becomes all Christians to learn and practise, that the godly in the land will always be found the quiet and the peaceable in the land, whatever others are.

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