5 Quick and Simple Tips to Get Out of Debt
Gary Keesee • July 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.
Reading Time 4 mins 6 secs – Thankfulness isn’t just good manners; it’s a spiritual posture. It’s how your faith stays strong, your heart stays aligned, and your life stays connected to what God is doing. In a world that constantly pulls on your emotions, drains your joy, and fills the air with fear and pressure, thanksgiving becomes how you stay connected to the victory Jesus has already won for you. Second Corinthians 2:14 reminds us that God always leads us in triumph in Christ, and through our lives, He spreads the fragrance of the knowledge of Him everywhere we go. That’s not just poetic language. That’s a description of your life in the Kingdom. You were designed to walk in victory, carry the fragrance of heaven into every room, walk in faith and not fear, and bring evidence of God’s goodness wherever you go. And the doorway into that life? A thankful heart. Thankfulness Is Your Position of Strength You don’t wait until you see victory to thank God. In the Kingdom of God, thankfulness comes before the breakthrough. First Corinthians 15:57 reminds us that God gives us victory through Jesus. Not someday, not eventually, but as a present, active reality. When you say, “Thank You, Lord, for leading me into victory in this situation,” you are aligning your heart with what God has already spoken. You are: Agreeing with His Word. Positioning yourself to receive. Stepping into alignment with His promises. Philippians 4:6 tells us to bring every request to God with thanksgiving. Gratitude is not the result of answered prayer; it’s part of how we pray. If someone handed you a check and you said, “I’ll see if it clears, and then I’ll thank you,” how eager would they be to bless you again? In the same way, when we approach God with “Father, thank You that You always lead me into victory,” we’re not pretending. We’re trusting His character before we see the outcome. That is faith. Gratitude Changes the Atmosphere You don’t just walk into a room; you carry an atmosphere. We’ve all stepped into places that felt heavy, tense, or anxious without anyone saying a word. But God designed you to carry something different: Peace instead of pressure Freedom instead of fear Victory instead of defeat A sound mind instead of anxiety When you adopt a posture of thanksgiving rather than one of complaint, your home changes, your conversations change. Psalm 100 reminds us that we enter God’s presence with thanksgiving and praise. Gratitude isn’t just something we do; it’s how we step into His presence and shift the atmosphere around us. How We Limit God When We Forget to Say “Thank You” Psalm 78 tells us that the people of Israel limited God not because His power failed but because they refused to agree with Him. God wanted to bless them. He had good plans for them. But instead of aligning with His promises, they complained, focused on what they saw instead of what He said, and talked more about giants than about God. Grumbling doesn’t just make you miserable; it closes your hands. Thankfulness opens them. The same is true for every promise in your life—provision, wisdom, direction, breakthrough, and peace. Ask yourself: Am I agreeing with God or resisting Him with my words? Do I talk more about the problem or about His promise? Have I been limiting God by withholding my thankfulness? Simple Ways to Practice Thankfulness Every Day You don’t have to wait for Sunday to live a thankful life. You can practice gratitude right where you are. Start with these 5 simple rhythms: Thank Him before you see the answer. When you pray, don’t just ask. Take time to thank the Lord that the answer to your promise is already yes. Guard the atmosphere of your home. If voices, media, or conversations are feeding fear and heaviness, turn them off. Make room for worship, the Word, and encouragement. Say “thank you” out loud. To God. To people. For big things and small things. Train your heart to respond with gratitude instead of suspicion or resistance. Worship on purpose. You don’t need a worship team to praise. Turn on worship in your car, your kitchen, your living room. Lift your voice. Let His presence fill your space. Check your heart often. If thankfulness and gratitude haven’t been on your heart much, don’t condemn yourself; just correct your course. Let God restore your joy. A Simple Prayer Father, Thank You that in Christ You always lead me into victory. I repent for every time I’ve complained, drifted, or agreed more with fear than with your Word. Today, I choose to be thankful. I say “yes” and “thank You” to Your promises, Your plans, and Your goodness. Restore to me the joy of my salvation. Lift off all heaviness. Fill me fresh with Your Spirit. Let my life carry peace instead of pressure, praise instead of complaining, faith instead of fear. I receive Your wisdom, Your strength, and Your direction for every situation I’m facing. In Jesus’s name, I pray. Amen.
Reading Time 2 mins 59 secs – Health isn’t just about how long you live; it’s about how well you live the life God’s called you to. You were created with a purpose, and your body is the vessel that carries that purpose forward. When your body is weary, your mind drifts, and your spirit feels disconnected, it becomes harder to walk in everything God has assigned to you. That’s why good health isn’t optional in the Kingdom. It’s stewardship. God Cares About How You Feel All through Scripture, God shows concern for His people’s well-being, physically, emotionally, and spiritually. Jesus healed bodies, calmed minds, and restored people to community. Health in His Kingdom is wholeness, not just healing. It’s walking in peace instead of pressure, strength instead of survival. When you take care of your health, you’re not just maintaining your body; you’re honoring your Creator. Every time you rest when you need it, fuel your body with good food, or take a walk instead of worrying, you’re saying, “Lord, I trust you to sustain me.” Health Is a Faith Decision Faith and health are connected. When you believe God for provision, you also believe Him for energy, renewal, and longevity. Your health journey isn’t about control; it’s about alignment with the Holy Spirit. Romans 12:1 tells us to offer our bodies as living sacrifices, holy and pleasing to God. That’s not a verse about restriction; it’s about devotion. Your body is a place where the Holy Spirit dwells, and how you care for it reflects your faith. Ask yourself: Am I fueling my body for the calling I’ve been given? Do my daily choices create strength or drain it? What does obedience look like in this area of my life right now? Small acts of obedience like drinking more water, sleeping enough, managing stress, and choosing gratitude are seeds of faith that produce lasting fruit. The Rhythms of Renewal God designed life in rhythms: day and night, work and rest, sowing and reaping. When you move with His rhythm, you live from rest instead of running on empty. Here are a few rhythms that restore strength: Rest intentionally. True rest is more than sleep; it’s trust. It’s the decision to stop striving and let God restore what effort cannot. Eat with awareness. Food was meant to nourish you, not control you. Choose what fuels your body for purpose rather than what comforts it in pressure. Move with joy. Exercise isn’t punishment, it’s a partnership. Every step, stretch, or breath can be an act of worship when done in gratitude. Renew your mind. A healthy body begins with healthy thoughts. Replace “I’m so tired” with “God strengthens me daily.” What you repeat, you begin to believe. When You Feel Stuck There will be days when progress feels invisible. Maybe you’re waiting for healing or battling habits that feel impossible to break. Don’t quit. God doesn’t measure health by perfection. Philippians 1:6 reminds us that He who began a good work in you will carry it to completion. As you continue showing up with faith, the results will follow. A Simple Prayer Father, thank you for giving me this body as a gift, not a burden. Teach me to care for it with wisdom and gratitude. Strengthen me to make choices that bring you glory. Renew my energy, restore my joy, and remind me that you are the source of my strength. In Jesus’s name, I pray. Amen. Remember This Health isn’t about chasing balance; it’s about choosing alignment. When your spirit leads, your soul settles, and your body follows. Walk with God, and you’ll find strength that doesn’t fade, energy that renews daily, and peace that carries you farther than willpower ever could.
Reading Time 3 mins 42 secs – When most people hear the word success, they picture a number in a bank account, a title on a door, or applause from a crowd. Those things aren’t wrong, but they’re not the whole story. Kingdom success is the fruit of living aligned with God’s presence, God’s purpose, and God’s principles. It’s success that sticks in your family, your finances, your calling, and your soul. What God Calls “Success” The Bible defines success as prospering in what God has assigned you to do. Joshua was told to keep God’s Word front and center. You shall meditate on it day and night, so that you may be careful to do everything written in it. Then you will be prosperous and successful. —Joshua 1:8b (NIV) Success begins with alignment, not achievement. When your ways line up with His ways, outcomes change. Success Grows Where Purpose Lives You weren’t designed to drift; you were designed to steward. Deuteronomy 8:18 says God gives you the power to create wealth—not so you can worship wealth but so you can build, bless, and advance His Kingdom. Purpose answers why you’re pursuing something. When your why is right, God can trust you with more. Ask yourself: What problem has God wired me to solve? Who gets helped when I win? How does this goal move God’s purpose forward? Three Pillars of Kingdom Success Presence – Success starts by seeking God first (Matthew 6:33). In His presence, you get clarity, courage, and correction. Purpose – Your assignment sets the target. Aimless motion is not momentum. Practice – Faith works when you work the principles. Plan, sow, and act; God multiplies. Principles That Produce God’s system isn’t random. There’s a time to plant seeds and a time to harvest. If you plant the right seeds consistently, a harvest is inevitable. In Proverbs 16:3, we’re reminded to commit whatever we do to the Lord, and He will establish our plans. Think like a steward and ask, “What have I been given?”(such as time, gifts, relationships, and ideas). Manage them with excellence. Choose excellence daily and do your work heartily as for the Lord, because excellence attracts opportunity. Prioritize wisdom by reading, learning, and surrounding yourself with people who sharpen you. Guard your words; there’s power in the words you speak, so take time to intentionally speak truth. Speak words that are in line with God’s promise rather than with fear. In Luke 16:10, we’re reminded to take faith steps, because small obedient steps multiply, and the servant that is faithful with little can be trusted with much. Break the Success Killers Break the success killers by refusing comparison, which steals both joy and peace. Instead, stay focused on running your own race and celebrating progress over perfection. Avoid hurrying, because quick fixes create fragile results, while patience and process create durable success. Replace excuses like “I can’t” with the empowering mindset of “How can I, with God’s help?” Finally, reject isolation, because lone wolf living limits growth, while community, mentors, and partners in purpose accelerate you. When you consistently choose these healthier patterns, you build the resilience and clarity needed to sustain long-term success. A Weekly Success Rhythm Seek (Daily): 10–15 minutes in the Word and prayer to align your heart and hear strategy. Plan (Weekly): Review your goals and priorities to ensure alignment. Decide your top three Kingdom outcomes for the week. Sow (Consistently): Give, serve, and invest in your skills. Measure (Weekly): What moved forward? What needs adjusting? Celebrate progress, then iterate. Rest (Sabbath): Rest is not wasted time; it’s faith in action . When Progress Feels Slow Psalm 1 paints a picture: a person planted by streams, bearing fruit in season . Not every day looks like a harvest day. Some days are root days. Stay planted. Keep sowing. Harvests have a schedule, and God is never late. A Simple Prayer Father, thank You for calling me to succeed Your way. Align my heart with Your presence, clarify my purpose, and teach me to practice Your principles with diligence and joy. I commit my plans to You. Give me wisdom, clarity, and strength to steward what You’ve placed in my hands. Use my success to bless others and advance Your Kingdom. In Jesus’s name, I pray. Amen. Carry This with You Success in the Kingdom isn’t a finish line; it’s a faithful life . Start where you are. Work with what you have. Obey what God says. Expect His favor. As you align with His presence, purpose, and principles, you’ll see results that last, results that outlive you, and point people to Him.