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5 Quick and Simple Tips to Get Out of Debt

Gary Keesee • Jul 28, 2020
When Drenda and I started our company many years ago, we decided to give people a simple outline of the things they would need to do to get out of debt.

With some time, effort, and thought, we eventually condensed our advice down to five basic, simple tips people need to master to change their financial future.

They’ve worked for others, and they will work for you.

#1 - Seek first the Kingdom of God.

Matthew 6:33 tells us that if we seek His Kingdom first, “all of these things will be given to you, as well.” If we take the time to see knowledge regarding His Kingdom and how it works, then we can access it and walk in it.

For your life to change financially, you must take the time to study, write down, dissect, and understand the function of the laws that govern the Kingdom of God, specifically in the area of finances.

#2 - Stop using debt.

It sounds simple, but this is the first thing God taught me in prayer on the pivotal day I finally came to the end of myself. It was the day God said, Gary, you trust in debt more than you trust in My Kingdom.

It was painful to hear, but it was true.

The debt system is one almost all of us were raised in, so it’s naturally the one we tend to trust in the most to meet our needs, especially when the going gets tough. But to walk in God’s system, we must turn away from that old system.

  • Set a budget.
  • Live below your income level.
  • Set goals for saving.
  • Don’t make impulsive purchases.
   
#3 – Cut off debt options.

You must get drastic with steps to protect yourself from ever being forced or tempted to use debt again. Acknowledge that you can’t trust yourself in the early days of your decision to turn away from debt.

Cancel the credit lines. Cut up the credit cards. Don’t give yourself any room for error.

#4 – Give.

Consistently through the New Testament, we see Jesus teaching about giving. Paul did so as well.

In 2 Corinthians 9:6-10 we read: Remember this: Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. And God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work.

As it is written: “They have freely scattered their gifts to the poor; their righteousness endures forever.” Now he who supplies seed to the sower and bread for food will also supply and increase your store of seed and will enlarge the harvest of your righteousness. You will be enriched in every way so that you can be generous on every occasion, and through us your generosity will result in thanksgiving to God.

See, giving is the doorway that gives God the opening to bless you with opportunities, direction, concepts, and ideas that will propel your life financially.

View the tithe as a fence. If you had a garden, and you had animals that would likely eat your produce, you would put up a fence. In a similar way, the tithe, as the Bible tells us, opens the windows of Heaven and sets a guard around your financial life. But the fence doesn’t grow anything itself. That’s where offerings come in. Putting tithes and offerings into place allows God to bless the work of your hands.

#5 – Write your plan.

Having a written plan that you can frequently refer back to, take direction from, and find comfort in will help you gain confidence that financial freedom is possible for you.

A written plan will help you stay on track when life’s pressures and temptations attempt to distract you.

Above all remember that you CAN be free.
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You can get more information about how to fix YOUR money thing in Gary’s book, Fixing the Money Thing: A Practical Guide to Financial Success.
By Gary Keesee 08 May, 2024
Reading Time 3 mins 43 secs – Are you happy right now? Or are you feeling a little grumpy, or negative, or sorry for yourself? We’ve all been there. Years ago, I had one of those months. Yes, I said months , not days. I was negative. I was feeling sorry for myself. The weight and pressures of life and certain situations were bearing down on me. For some reason, during that time, I went to a conference I really didn’t feel like going to, and the speaker got up and said he was going to talk about being thankful. Great , I thought. Just what I want to hear. What I really wanted was for someone to join me in my pity party. But that wasn’t happening. Because God knew that wasn’t what I needed. He knew I needed someone to tell me the truth. See, I had taken my eyes off of all of the blessings of God. I had stopped remembering all of the amazing times He had come through for me. I had taken my focus off of His promises and put it on my problems. That message was just what I needed. The Holy Spirit dealt with me right then about my heart and how I had been ungrateful. I had to repent. God set me free that day. Here’s the thing: studies show that when you’re happy and thankful , you have 17% more friends. When you’re happy, you live longer and you have less health problems like heart attacks, strokes, colds, the flu, and even pain. Being grateful also strengthens your emotions, makes you more optimistic and less self-centered, improves your sleep, increases your self-esteem and your energy, helps you bounce back after a setback, reduces feelings of envy, helps your marriage, makes you look better, and makes you more productive. Proverbs 17:22 (KJV) says, “ A merry heart doeth good like a medicine: but a broken spirit drieth the bones .” See that? Happiness is like medicine. Discouragement sucks the life out of you. Are you reading this and thinking, “ Gary, you don’t know what I’m going through. I have serious problems” ? I understand. But here’s the thing: happiness is not circumstantial. Happiness is a choice you make. I hear it all the time… “Gary, you don’t understand. I hate my house.” Sell it. “Gary, you don’t get it. I hate my job.” Quit it. Find a new one. “Gary, I just hate my life.” CHANGE it. You’re not stuck. You have options. Every single day, you make choices to do something or NOT do something. And you have plenty of reasons to be happy. Stop thinking you can only be happy when everything seems “perfect.” Because “perfect” is really rare, and I do mean really rare. In fact, odds are there will always be something in your life that isn’t “perfect.” The good news is, no matter what you go through or deal with in life, you can still be thankful and happy, because you can always trust God despite your circumstances. Philippians 4:6 (NIV) says, “Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God .” Wait. Did you see what that said? Notice it didn’t say, “Only be anxious about the big things you can’t handle on your own.” Nope. It says don’t be anxious about anything . It also says by prayer—and with thanksgiving —present your requests to God. That means you should be thanking Him for all He’s already done and for what He’s about to do in your situation. You should be thanking Him before your answer shows up, because He’s faithful and good. Look at Judges 20:19–25. There, we see the nation of Israel suffering great loss after a huge battle. They had lost 22,000 men. 22,000. Can you even imagine? I’m sure you’ll agree that that was a really bad day. Then, on the second day of battle, they lost 18,000 more men. 40,000 men lost in two days. The Bible tells us they took a day off at that point. They stopped and regrouped. Then, in verse 26, we see that the entire army presented offerings of thanksgiving to God. Things had gone really wrong, and they needed to remind themselves that God was for them, that He is good and faithful, that He was with them. And the next day, they went out and won the battle. So, what about you, friend? Do you need to stop? Do you need to take your mind off the negative and remind yourself that God is for you, that He is good and faithful, and that He is with you?
By Gary Keesee 10 Apr, 2024
Reading Time 2 mins 13 secs – In John 6, we read the story of Jesus feeding 5,000 people with five loaves of bread and two fish. Do you know it? It’s where we see Jesus teaching the disciples how to release the Kingdom of God into the earth realm. Basically, a large crowd was following Jesus, listening to Him teach, and watching Him perform miracles. It got to a point where the people needed to eat, and Jesus asked the disciples what they planned to feed the people. Of course, Jesus knew the disciples would freak out. They couldn’t feed 5,000 people. In fact, they started talking about how it would take more than half a year’s wages to buy just a bite for that many people. Jesus was teaching the disciples, and He was teaching us— the Kingdom of God has all the answers you need . How can you release the Kingdom of God into your life? Here are the five steps Jesus took. 1. Look at what you have. Jesus asked the disciples what they had to feed the people. What do you have in your life that you can give God to work with? Jesus multiplied bread into bread and fish into fish. What do you need multiplied in your life? Find some of it. That’s your seed. Also, remember that money can be named. You don’t sow money to believe for more paper or digital money. Money represents your life and can be named to be the thing you need multiplied. 2. Make sure you’re in faith. “To have faith is to be sure of the things we hope for, to be certain of the things we cannot see” (Hebrews 11:1, GNT). You have to know how to judge whether or not you’re in faith. How? Do you have the right picture? When you close your eyes, what do you see? Do you see yourself with the thing you’re believing for? Can you defend your position? Why do you believe it? Prove it! Because you can be sure that between the “Amen” and the “There it is!” the enemy is going to contend for it, so you better be able to defend it. Do you have joy, expectancy, and peace? Are you in agreement with your spouse? 3. Confess over what you have, and release it in faith. Be specific. Say exactly what you’re believing for and release the seed to God. 4. Get the plan from God. Be ready for new direction, new ideas, and new concepts by revelation from the Holy Spirit. Carry a notepad and a pen. Write everything down. 5. Act quickly! When God gives you the plan, MOVE! It’s wise to have counselors and get wisdom, but you need to act swiftly on any direction you receive from the Holy Spirit.
By Gary Keesee 13 Mar, 2024
Reading Time 2 mins 34 secs – How can you make sure you’re equipped for the growth coming your way this year? Here are my 10 steps to posture yourself for opportunity and success. 1. Ask yourself how you’re handling your current responsibilities. Don’t run from your responsibilities. No matter where you are or what you’re doing, you should be a success. People will still see the evidence of God even if you think you’re in the wrong spot. 2. Detox your life of the things that keep you from having time to think. We live in a fast-paced world. There are plenty of things that can keep you distracted. But it’s in the moments that you stop to think that you’ll find ways to solve problems, and that’s where the opportunities are. So figure out what is consuming your time. Start saying no to some things. Find time to think. 3. Don’t hang around people who are always losing. I know people hit rough spots, but if the people in your life are chronically losing, it’s time to expand your circle. Hang around people who are better than you are, who don’t see things as impossible, and who have vision. It may be uncomfortable for you, but their influence will cause you to think differently. 4. Write down EVERY idea that you have, no matter how strange it seems. Most people filter opportunities and ideas through what they perceive their ability to be. This means most people discard ideas by the dozens because they don’t think they can do them. But God isn’t limited to what you know how to do. The ideas He gives you might seem so weird to you that you can’t process them fully. Write them down so you have time to think about them. 5. Research. Research. Repeat. You don’t need to know how to do something; you need to know how to learn how to do it. Research until you find what you’re looking for. 6. Count the cost before you jump. A lot of Christians hear God and jump out too soon, resulting in catastrophe. There are seasons for everything. God will prepare you for where He wants you to go. Be patient. 7. Always be in agreement with your spouse. Never, ever march out into battle without your spouse being in total agreement and your faith aligned. 8. Ask God for direction. Ask Him to help you, to show you where to go, and what to do. And always remember that prophecy from other people shouldn’t lead you; it should only confirm what God has already said to you. 9. Commit to never quit. Quitting is not an option. Once you’ve moved, don’t move again until God speaks to you. Stay with it. Walk it out. Don’t quit. So many people have so much potential, but they get uncomfortable and they quit. If you want to win, you should always be stretching. 10. Get ready to embrace bigger things. Your ability to see the big picture will keep growing as you change and grow on the inside. You’ll pick up on even more opportunities. For more principles, check out this FREE video on success.
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