a) Write down all of your debts.
a) Stop spending and borrowing.
Step 3 Develop a repayment plan.
a) Look over all your debts and draft a repayment plan.
b) Be committed to the repayment plan.
Step 4 Establish accountability.
a) Be accountable to someone that you respect, concerning your commitment to getting out of debt.
Step 5 Reward yourself.
a) Each time you pay off a bill treat yourself to something inexpensive. Pay with cash.
1. To provide a better quality of life for your family.
2. To be able to help others in their time of need.
3. To sow more into the Kingdom.
4. To leave an inheritance to your children’s children.
1. Lower interest rate on a car loan and credit card
2. Home purchase or rental
3. Career opportunities/Clearance
4. Respect among your colleagues
5. Favor and opportunities for you and your family
6. Ministry opportunities
7. Avoid embarrassment during a credit check





