1.  Now let it be a warning unto you. Verily I say, the worst place in all God’s world to live is not in the wilderness of the desert’s heat or the freezing winds of Siberia. It is living beyond your means.

2.  An attitude of gratitude for what you have goes far and will spare you much.

3.  The man who looks to the right and to the left with a covetous eye for material gain loses his contentment.

4.  Credit cards hold temporary pleasures that dangle like a hangman’s noose at 23%.

5.  Things own a man and a man ceases to own his things in the snare of financial bondage. For, it is written that a man will be lead, with the course of time, to treat things like people and to treat people like things as they begin to possess him.

6.  Stuff suffocates.

7.  The heaviness of financial overextension will weigh on a man’s back like the burden borne on the back of a donkey, breaking his spirit and troubling his rest.

8.  The man who lives beyond his means is a tender morsel awaiting the drooling jaws of his creditors.

9.  The seduction of a credit card to purchase what one cannot pay in Dineroes is like an arrow with a poisoned tip, bringing a slow death to its victim. Depression, disease and destruction are it’s rewards.

10.  Financial oppression will leave your marriage bed cold and cause your neighbor and kinsmen to look the other way.

11.  Verily, I say unto you. Heed my warning. It is a wise man who does not purchase by credit that which he cannot pay for from his store. Let a wise man buy “on time” only those things which increase in value and will bless his household and not bind it.

12.  A man of wisdom looks ahead to darker hours and disciplines himself to set aside a portion of that which he reaps from his labor. He shall be known for his prudence and be of good report.

13.  Material things dissipate like dew on morning grasses, but the dark cloud of financial oppression lingers on and on like the musty dampness of Pharaoh’s dungeons.

14.  Be wary of the works of the enemy, my friend. He will taunt you with the glitter and prestige of that which you desire and blind you to the blessings of that which you possess.

15.  For it is written where God guides He will provide, and in little there is much.

16.  Be of strong faith and courage, doing good works, lifting up your neighbor unto the Lord. As one man does not know another’s heart, so one man does not know another’s true state of affairs. Perhaps your fellow man walks through the Valley of the Shadow of Refinancing.

17.  Peace be with you. May God keep you in His mercies, debt free with a grateful spirit.