Here is a Faith-based wealth & debt freedom plan
This plan uses biblical stewardship values + practical financial discipline.
You start by making yourself a simple, balanced plan that combines faith principles with proven money habits.
1. Pray & set your intentions
• Spend time in prayer or reflection.
• Ask God for wisdom, discipline, contentment, and clear goals.
• Proverbs 16:3 — “Commit to the LORD whatever you do, and he will establish your plans.”
2. Track & audit your finances
• Write down every debt, balance, interest rate, and monthly minimum.
• List all income and every expense (even coffee).
• Apps like Mint, EveryDollar, or a simple spreadsheet work.
3. Make a zero-based budget
• Every dollar you earn is given a job (pay bills, save, invest, give).
• Cut non-essentials like impulse shopping, extra subscriptions, or eating out.
• Budget generously for your essentials but pay yourself first (savings) and plan giving (tithe or charity).
4. Attack debt with a clear plan
• Snowball method: Pay off smallest debt first for quick wins.
• Avalanche method: Pay off highest interest first for max savings.
• Always pay at least the minimum on all debts.
5. Grow your income
• Explore side gigs using your talents.
• Offer services (cleaning, tutoring, online freelancing, consulting).
• Proverbs 10:4 — “Lazy hands make for poverty, but diligent hands bring wealth.”
6. Build your mind & skills
• Read 10+ pages daily of books on money, business, faith, or personal growth.
• Podcasts & YouTube by trustworthy experts (Ramsey, Chris Hogan, or even secular ones like Graham Stephan) can help.
7. Keep God first
• Remember money is a tool, not the master.
• Be grateful daily, give when you can, and keep perspective.
• 1 Timothy 6:10 — “For the love of money is the root of all kinds of evil…”
Wealth itself isn’t wrong — how we use it matters.
8. Celebrate small wins
• Paid off a credit card? Saved $1,000? Thank God, then treat yourself wisely.
• Write down milestones. It keeps you motivated.
Good luck
