Scriptural Text:Proverbs 21:20
“There is desirable treasure, And oil in the dwelling of the wise, But a foolish man squanders it.“
One of the reasons many persons are unable to make any meaningful progress is because they live perpetually in debt, what I call the debt zone. In the debt zone, expenses always exceed income, hence people in this zone are always in debt, primarily because they are always borrowing.
There is nothing wrong with borrowing to invest if it is done wisely but, the people in the debt zone borrow to meet their needs – they borrow for survival. Some persons are so deep in debt that the paycheck they have not yet received, has already been spent. If you find yourself in this situation, there is hope. You can navigate your way out of this zone by ensuring that your expenses are always below your income.
Begin by learning to save before you spend. Consider your savings as a debt owed and separate it before you begin to spend. It is also important that you only buy what you need and not just what you want or like. Your needs are your necessities like housing, electricity bill, etc., while your wants are things that you like but can do without.
Some people are in debt, claiming to be looking for capital investment for their ideas or business, yet they spend tens of thousands yearly on cable television, luxurious cars, vacations, etc,. At a level in life, these things are ‘wants’ that you can cut down. If you will manage your income wisely, you can navigate your way out of the debt zone. Be encouraged, no matter how deep in debt you are, you can come out of it.
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🙏 DAILY PRAYER GUIDE
🙌🏾 PERSONAL PRAYER FOR THE DAY:
Dear Father, I ask for wisdom to navigate my way out of debt in Jesus name.
PRAYER FOR A NATION – MEXICO
Persecution occurs in certain parts of Mexico. In the southern states, believers face prejudice, harassment, evictions, and church and property damage. This mostly occurs due to believers’ refusal to participate in community-religious events that involve traditional Christo-pagan practices.
1. Prayer for the nation: One-third of Mexicans are the young, we are praying for effective outreach to reach the young people in Mexico.
2. Prayer for the leaders: Father in the Name of Jesus, we pray that you will raise up leaders in the nation who will make laws to protect the freedom of the people so that they can live peaceful, quiet lives in godliness and dignity in Jesus name.
🕍 PRAYER FOR ISRAEL – (
Psalms 122-6
)
Father, I ask today that there will be peace in Jerusalem and that your purposes be established in that city. Amen.
💒 PRAYER FOR UNITY IN THE CHURCH
Father in the Name of Jesus, we ask that You will cause all the churches around the world to stand firm, perfect, and complete in all things, according to Your
☄️ PRAYER FOR SOULS / REVIVAL
Father in the Name of Jesus we pray that you would lead us to ripe souls in our city and its environs.
DAILY BIBLE STUDY
EZEKIEL 25&26,
HEBREWS 5
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PSALMS 71
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About The Author
416 thoughts on “NAVIGATE YOUR WAY OUT OF DEBT”
My prophet is always on time 💥i just read the actual thing I needed at the particular time of my life more oil sir 💫💫
The topic of debt is something that is needed to be heard daily in a country like Nigeria where the future generation is already in debt by the present government. I pray we come out soon with the help of God-sent leaders.
The part that resonates the most with me is where you save as a matter of debt; that lifestyle is a necessity for any one who will eventually emerge as a successful debt-free individual. I seriously love this topic.
Thank you Sir for this beautiful piece, its for both the past, present and future readers of this devotional.
Spot on my prophet.
I will begin by learning to save before I spend.
Spot on
I must learn to save and invest,I must differentiate my needs from my wants always so that I don’t run into debts because of my wants
Lagos,Nigeria
i must amend my way
Thank you Prophet for making us see we could leave above debt. The debt zone is real and there is also a real way out.
Lagos Nigeria
I have sometimess struggled with abstaining from spending on my wants. Being an aspiring celebrity and fashion model, it’s quite difficult to avoid purchasing certain pieces and accessories I come across with sometimes. Though I’m not trying to live a lifestyle which is beyond my means, but later on, I regret spending on some accessories.. My challenge is, if I eventually stop keeping up to date on my branding, it feels like I’ve bandoned a goal, but this goal actually makes me spend unnecessarily.. Way can I do in such situation?? 🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
I have sometimess struggled with abstaining from spending on my wants. Being an aspiring celebrity Musician and fashion model, it’s quite difficult to avoid purchasing certain pieces and accessories I come across with sometimes. Fashion Modeling somehow makes me spend on my wants without much consideration because every time, I always wants to dress nice and portray myself in my career. Though I’m not trying to live a lifestyle which is beyond my means, fortunately I’ve never been in debt while trying to build this career. Honedly, sometimes I regret spending on some accessories.. My challenge is, if I eventually stop keeping up to date on my branding, it feels like I’ve bandoned my goals, but these goals actually makes me spend too much on my wants .. What can I do in such situation?? 🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
Consider your savings as a debt owed and separate it before you begin to spend. It is also important that you only buy what you need and not just what you want or like. These are the words of gold, that can take a man out of debt. Thank you my Prophet of God! 🇬🇧🇬🇧🇬🇧
I receive grace to navigate my way out of debt zone. Thank you my Prophet for this eye opening message
Glory to God. It takes much wisdom and discipline to navigate out of the debt zone. Help me lord to always prioritise my needs over my wants.
Lagos, Nigeria
This is so deep, My God:
I begin by learning how to save before i spend.
Lagos
Amazing word today… Feeling the anointing while reading the devotional today… Wisdom to come out of the debt zone has been impacted 🙌🙌🙌🙌🙌
“Begin by learning to save before you spend. Consider your savings as a debt owed and separate it before you begin to spend”.
Thank you so much my Prophet for a spirit filled and nourishing devotional this morning 🌅
My God, I navigate my way out if debt. I receive wisdom to Live a debt free life.
Thank you for today’s word.
Am always blown away by revelations every day from our devotionals this messageI decide to only get what I need and not just what I want or like.Abuja
This is so Timely and the daily devotional is always on point. I advance daily using this onesound daily devotional. God Bless Prophet Isaiah Wealth
Today’s devotional is such as blessing. I have learnt how to navigate out of debt. Hallelujah 🙌🙌
Insightful
Wisdom! I should get what I need or not things I can do without 🙌🏽🙌🏽
SA🇿🇦
Everyone should develop that habit of saving as it is a necessary tool to future occurrences which are unknown.
Thank you my prophet for this wisdom. I will consider my savings as a debt owed and separate it first I start spending
Lord give me the wisdom to navigate my way out of dept , in Jesus Name
Amen
Lagos Nigeria 🇳🇬.
Learn to navigate your way out of debt. Make savings a habit no matter what. This is so key as most times we spend for lots wants instead of needs before releasing it. Thank you sir for this eye opener
My prophet, this is spot on. The very word needed at the moment. I now know that saving is a habit we ought to cultivate regardless of how much we earn.
I must consider savings a matter of debt owed. This outlook will help ensure I’m consistent with saving.
Lagos, Nigeria
Wow, this is the word for the now, thank you sir
Lagos Nigeria 🇳🇬
This kind words of direction and life paths way guides can not be see or gotten from any other book on Earth and this is reason I must ensure I come to this page every day to get directions for my next level in life
God bless you sir
Lagos Nigeria
My God.
This is a great revelation
You can be out of debt if your expenses is lower than your income.
Thank you my Prophet for this great I sight
Thank you sir for today’s message. It is an eye opener..Always go for what you need not what you want.
Lagos, Nigeria
It is very important to be debt free
This is divine wisdom.. God bless you prophet 🇨🇾 🇨🇾 🇨🇾 🇨🇾 🇨🇾 🇨🇾 🇨🇾
Indeed
There’s always a way out!
Lagos, Nigeria 🇳🇬
No matter how deep you’re in debt, you can come out. One must save before he spends and must be able to distinguish between needs and wants then allocate funds to needs first.
Lagos Nigeria
My High Point
Begin by learning to save before you spend. Consider your savings as a debt owed and separate it before you begin to spend. It is also important that you only buy what you need and not just what you want or like.
Lagos Nigeria
Powerful devotional sir!
Hmmm… I’m short of words sir because this is very deep and detailed.
Thank you so much sir for this really useful words.
Shalom Ife
Lagos, Nigeria.
Thank you lord for this words, I am blessed 🙏🙏🇨🇾🇨🇾🇨🇾🇨🇾
What a wonderful piece.
Lagos, Nigeria
Hmmmm, “ consider your savings as a debt owed ,separate it before you begin to spend “.
This is a big lesson learned today. Thank you so much my prophet sir, It is really an eye opener.
Lagos Nigeria
Thank you Lord for your word today. I make a conscious effort to save so as to never become a slave to debt.
I discipline myself in my spending and savings. By God grace and strength I will move out of the debt zone. Amen
Lagos
Thank
Thank you Sir for this awesome advice on how to live debt free!
Lagos, Nigeria 🇳🇬
One of my biggest fear is always owing people. The thoughts of owing and not able to pay pack scares me and I’m grateful for this message.. it has opened my brain to always set one out of my priorities right which saving before spending… Thank you Lord
God of my prophet Isaiah has always been good to me and I imagine myself always connected with the prayers and teachings from my prophet, ever since I give my life to God in Godsple pillar here in Cyprus 🇨🇾 my life has changed and my testimony is that God has settled me with alot 🙏
This word is just on point and I’m been encouraged to do better. Thanks my prophet.
Thank you sir for these words , I’m changed ,thank you lord
Lagos Nigeria
This devotional was written for me, I’ve struggled with properly managing my finances so much that I began to think I had a spiritual problem. I had just began deliberately trying to work my savings and devotional came right on time. God bless our Prophet
I refuse to leave in debts and to leave above my expedition , this words are very powerful, thank you my prophet 🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
Chudi from lekki, Lagos
This is a wonderful and awesome read!
Lagos.
Thank u sir for this wonderful message
I refuse to live a life of debt
Lagos Nigeria
Thank you very much Sir for today’s words. More grace.
_Lagos Nigeria 🇳🇬
My God help me never to be influenced by people around. But to be focus on things that really matters.my prophet thank you for this important word of knowledge.lagos ikeja
Wow Glory to God, this is an eye opener, thank you Lord 🙏, I receive the strength to be committed to this in JESUS NAME.
Lagos
Wow!!!
“Consider your savings as a debt owed and separate it before you begin to spend…”
This is a powerful key that really can cause a man to escape debt zone…
Thank you Prophet of God…
Lagos- Nigeria
Today devotional have teach me alot of lessons because owning a debt is not the option especially when you don’t know how to manage your income. LORD Jesus help me🙏🙏🇨🇾🇨🇾
“Begin by learning to save before you spend. Consider your savings as a debt owed and separate it before you begin to spend.” This is actually an eye opener, cause most of the time I start spending before it even occurs to me that I should save. thank you prophet for the insight.
Hallelujah!!! There is a way out of debt. Consider your saving as a debt, this is profound🇬🇧🇬🇧🇬🇧🇬🇧✨✨✨
I need to know the difference between need and want and learn to prioritize🙏🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
Ahhh. This is one route i dont ever to be on. Thank you my bestest prophet for reminding me to avoid the drama of debt🤣😂🤣🤣.
Lagos, Nigeria
Wow… What a word today!
“Consider your savings as a debt owed and separate it before you begin to spend.” This is definitely going to be my new practice.
Thank you prophet for today’s devotional.
Lagos, Nigeria
I love the wisdom from God’s Prophet everyday..Very comforting to anyone that has erred in managing their finances and now in debt to know that there is “Hope” and they can come out of it through better financial planning, having their expenses less than their income and most importantly saving before spending…I learn and apply this for my financial and Kingdom success in 2023
Thank you my Prophet
Lagos, Nigeria
I pray for wisdom to navigate my way out of debt Lord. Lagos Nigeria
Today’s devotional is a deliverance for many who have gone through it , indeed there’s a wisdom to navigate out of debts
Making the choose to spend wisely and be deliberate about saving from our income
This is just an amazing topic today
Oh My God.. Debt Zone.. I gain Instruction today to manage my resources and save.
Lagos.
For one to navigate his way out of the debt zone, he must ensure that his expenses are always below his income ….
My needs are my necessities while my wants are things that i like but can do without. My God this devotional is really what i need at this point in time.
God bless you more my Prophet sir.
Glory to God 🙌🏾🙌🏾🙌🏾 🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
This is wisdom, the man of God has just delivered millions of people from this bondage..
Am blessed reading this devotional.
God bless Prophet Isaiah Wealth.
Lagos, Nigeria.
There is nothing bad in borrowing to in vest if the investment is a wise one but borrowing to meet your day to day needs will lead to debt .
I pray for wisdom to navigate my way out of debt and investment wisely this year in Jesus name
Thank you so much my prophet for iam so bless with today devotional expecially today topic.🇦🇪🇦🇪🇦🇪🇦🇪
Thanks so much my Prophet, for adding more insights to this word called debt… For making to understand the difference between debt for personal needs and debt for Investment 😊… Its better to be broke with lots of investments than to borrow for your personal needs with zero income or investments
GPC Lagos 🇳🇬🇳🇬🇳🇬🇳🇬
The reason why many people are unable to make meaningful progress is because they live perpetually in debt and are in the debt zone.
Spending the income you have not yet received is definitely living in the debt zone. My God. And our prophet has said there is hope for the man in the debt zone, he can come out of it by spending on what you need and not on what you want or like. Thank you Jesus. I learn to prioritize my spendings. I spend on only the necessities of life and not on the luxuries I can live without. I am debt free in Jesus name.
Thank you Jesus
Thank you my prophet sir 🙌🏿
Lagos Nigeria
What a topic today. Having discussed this yesterday about debt, the solution came in the devotional.
I save before I spend. I navigate my way out of debt.
2023, I am debt free.
Hallelujah🙌🙌🙌
Thank you my Prophet.
Lagos, NG.
I can never be in debt anymore after this revelation.
Lagos
For an individual to be able to navigate his way out of the debt zone, he must ensure that his expenses are below his income
I love the Wisdom Giving by My Prophet everytime, it directs my life daily. Grace to walk out of debt lord
Thank you my Prophet
Lagos Nigeria
Help me Lord as I navigate my way out of debt.
The reason why many people are unable to make meaningful progress is because they live perpetually in debt and are in the debt zone.
Spending the income you have not yet received is definitely living in the debt zone. My God. And our prophet has said there is hope for the man in the debt zone, he can come out of it by spending on what you need and not on what you want or like.
Thank you Jesus. I learn to prioritize my spendings. I spend on only the necessities of life and not on the luxuries I can live without. I am debt free in Jesus name.
Thank you Jesus
Thank you my prophet sir 🙌🏿
Lagos Nigeria
Hmmm 🤔
Apportioning my finances aright, such that my expenses is lesser than my income is a good way to stay out of debt.
I love this
Yemi from Lagos
The Topic is so reach and very helpful, it is true that the problem with low income earners is ability to manage debt, I wish this message can go round to everyone in this country. Ugbede from GPC Lagos Nigeria
In summary proper management and separating needs from wants can liberate one from the trap of indebtedness.
Lagos, Nigeria.
This topic is very on time and spotted.. our recent living is a difficult one. we really need wisdom as this to navigate through.. thank you my prophet!
Lagos.
“In the debt zone, expenses always exceed income”
I am so blessed by today’s devotional and I believe that it has and will bless another who needs this teaching.
Thank you, my Prophet
Emmanuel from Lagos, Nigeria.
The debt zone is a place to navigate yourself out immediately. And that can only be done by savings and proper management of funds
Some people are in debt, claiming to be looking for capital investment for their ideas or business, yet they spend tens of thousands yearly on cable television, luxurious cars, vacations, etc,. At a level in life, these things are ‘wants’ that you can cut down. If you will manage your income wisely, you can navigate your way out of the debt zone. Hmm! This is very true. If only everyone can read today’s devotional, it will help them have a successful 2023.
Edna Diana Idahosa
Thank You Lord, for today topic.
Wisdom to come out of the debts zone .
Debts are been a major problem in my family, they don’t how to save always asking and spending,
OH Lord l ask for grace for my family to manage and to learn to save.
Thank you my Prophet, may God bless you more and more,
O THEO’O NA EVLOGEI. – God bless
Edna Diana ldahosa from Belgium 🇧🇪🇧🇪🇧🇪
The debt zone is a place to navigate yourself out immediately. And that can only be done by savings and proper management of funds
Lagos Nigeria
Today’s devotional has given hope that even in debt, you can still walk out of it if you apply the Godly principles as shared by our Prophet today. I am indeed blessed and encouraged by this words.
Lagos, Nigeria.
Today’s devotional reinforces the fact that debt keeps us in financial bondage.
So, understanding & applying the principles of wants & needs in our daily living, saving a certain percentage of our income or profit gives us the advantage to attain financial freedom.
Lagos, Nigeria
Thank you Jesus for your word through this devotion.
He who has ears let him hear what the Spirit of the Lord Is say 🙏
Cyprus 🇨🇾 🇨🇾 🇨🇾 🇨🇾
An eye opening exposition that has capacity to save anyone who’s in a debt situation. Thank God for this prophetic insight into financial management
Today’s devotional is so instructive and a wake up call to save and invest wisely by distinguishing between want and needs to avoid putting yourself in unnecessary debt.
>>Cyprus 🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
Sometimes it could be difficult to save when you lack discipline but it is even more difficult when you are in debt.
Learning to separate your wants from your needs is very important because it helps you prioritize.
Learning to be diligent with your money is what leads to financial freedom.
Today’s topic is an eye-opener. I was certainly blessed.
Lauretta
Lagos, Nigeria.
Begin by learning to save before you spend. Consider your savings as a debt owed and separate it before you begin to spend…
Wise words to live by. I align to this thought pattern.
MR PC
Lagos, 🇳🇬
The rich rules over the poor, And the BORROWER is SERVANT to the lender. Pro 22:7.
Debt is the fastest way to enslave self. May God give us grace not to be ensnared in this trap.
Lagos, Nigeria.
Thank You Lord, for today topic topic.
Wisdom to come out of the debts zone.
Debts are been major problem in my family,
They don’t know how to save always asking and spending.
OH Lord ,l ask for grace for my family to manage and to learn to save.
Thank you my Prophet, may God bless you more and more.
O THEO’O NA EVLOGEI ,– God Bless .
Edna Diana ldahosa from Belgium 🇧🇪🇧🇪🇧🇪
Thank you my prophet for this timely piece.
Consider your savings as a debt owned and separate it before you start spending, word!!!. Thank you Lord 🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
What a rich and precise devotional today. I learnt to consider saving as a debt owed. This is very key to overcoming the debt zone.
Lagos. Nigeria
Glory to God 🙌 these is exactly what i need to hear about (debt). The word came in at the wright time now i can minimize in my expense and maximize in my savings not to be in debt.
Thanks to God’s prophet for these wonderful opportunity to get back on track.
Lagos, Nigeria
This word is powerful🔥🔥🔥 and for me
LAGOS
Thank You Lord For This Revelation. So Awesome.
Lagos, Ikeja
Very timely topic.
Nigeria needs this. Africa needs this. nations around the world need to hear this.
Thank you Sir 🙏
🇨🇾🇨🇾🇨🇾
I’ve always done my best to be debt free and this is a principle I hold at heart, a lot of people don’t believe in separating their needs from their wants. I believe once this principle is applied the path of freedom is always set.
Thankyou so much Dr Isaiah Wealth
Thank You Lord for counsel.
I focus on needs and watch my expenses.
Lagos.
Income management helps out of debt zone. Be encouraged…Ben Oliseh… Ikeja Lagos Nigeria
Dear Father, I ask for wisdom to navigate my way out of debt in Jesus name🙏
CYPRUS 🇨🇾🇨🇾🇨🇾🇨🇾
One of the major problems i see in our world is not having enough Spiritual leaders in pursuit of the mind of God concerning issues. The topics discussed daily in the devotional is full proof that we have a Man completely committed in pursuing agendas that will cause liberation and freedom in the lives of People.
If you will manage your income wisely, you can navigate your way out of the debt zone. Be encouraged, no matter how deep in debt you are, you can come out of it.
Lagos Nigeria
Wow wow….Consider your savings as a “debt owed” and separate it before you begin to spend.
Thank you my prophet
-Lagos,Nigeria
Thank you Lord for yet an insightful read. I rely on my heavenly resources, I refuse to be in debt, because the lord is my shepherd! Hallelujah 🙏
Lagos, Nigeria
Thank you My Prophet for this practical and useful wisdom.
Perpetual debts is a menace and a weight on the shoulder of most persons, this word will surely bring hope but also serve as a roadmap to navigate away from the debt zone.
Today’s devotional emphasizes the importance of separating expenses from savings and only purchasing necessities, rather than wants, in order to break free from the debt zone.
Thank you prophet for this exposition
– Lagos, Nigeria
I navigate my way lord
Lagos Nigeria
“Consider your savings as a “debt owed” and separate it before you begin to spend”. This is one important thing I’ve learnt todayThank you lord for this insightful topic.Lagos Nigeria
Another important topic from my prophet. Debt is the biggest bariar in a man’s life. It can never make you to grow or successful because when the debt become too much, you then save to pay debt than saving to invest. I pray that God should help me to navigate debt in Jesus name Amen. Lagos Nigeria
Nigeria is a typical case study of today’s devotional our inability to manage our resources and unnecessary expenses have lunged us into debt.
Truly one must be able to identify between wants and needs and see savings as a debt owed. Thank you sir
Lagos, Nigeria
Thank you so much my prophet for this direction, cause sometimes we as humans because of our insatiable thirst to have, we forget to identify our wants from our needs, but reading this and digesting such wisdom into our spirit will help us go about our day to day lives avoiding debt and penury because of the insatiable thirst to have even when we do not necessarily need them, Thank you so much my prophet
Father give me the wisdom to navigate my way out of debt. in the name of Jesus 🙌🏻🙌🏻🇬🇭🇬🇭🇬🇭
My God
Powerful message
Thank you Lord for this wisdom,i was touch by this,I will start working on myself making sure my expenses are always below my income.
Oh Lord, give me wisdom to navigate my way out of debt zone..
Thank you lord for this revelation
The reason many people are unable to make meaningful progress is because they are perpetually in debt. Living in the debt zone where expenses exceed income. Learn to save before spending…
wow Thank you my prophet
Joseph urhie
GPC Luton UK 🇬🇧
This topic is every essential Following the current situation in Nigeria. Where prices are hiked everyday. Instead of borrowing to survive,It’s better to cut down expenses and live within your resources. Thank you Lord I refuse to be in the debt zone!!!!
My God Powerful message
Lagos Nigeria
I learn today to live within my means and separating my needs from wants. Thank you my Prophet for this powerful insight.
Lagos, Nigeria.
Thank you sir for this words 🙌🙌
Lagos Nigeria
🙌🙌🙌🙌🙌
What an amazing time reading the devotional, God bless prophet wealth
This topic is every essential Following the current situation in Nigeria. Where prices are hiked everyday. Instead of borrowing to survive,It’s better to cut down expenses and live within your resources. Thank you Lord I refuse to be in the debt zone!!!!
Lagos.
Spot on my Prophet! 🙌🏾. My Mom always advice I and my siblings to save even as student and to never be in debt! So hearing it from you Sir is music to my ears…
Lord, give me the grace to never be in the debt zone and help me to save before I spend and to use my money wisely🙏🏾.
God bless you Sir
– Liverpool 🇬🇧
This is exactly what I need to hear….
Thank you my prophet for this messages
This is a very important topic and it has really affected so many, but with this wisdom one can navigate through out of debt. Thank you lord for so much wisdom.
Cyprus 🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
The right word at the right time, My Prophet in allways on point!
You can say that again! HE IS and always BE
Today’s devotional is so spot on! I receive wisdom
O Lord gimme the wisdom to manage my income and expenditure 🇬🇭🇬🇭🇬🇭🇬🇭
🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
Thank you Lord for this word today !!!
Begin by learning to save before you spend. Consider your savings as a debt owed and separate it before you begin to spend. It is also important that you only buy what you need and not just what you want or like. Your needs are your necessities like housing, electricity bill, etc., while your wants are things that you like but can do without.
Oh Lord my Father, Give me the wisdom to navigate myself out of debt in the name of Jesus 🙏🏽
🔥🔥🔥🇨🇾🇨🇾🇨🇾
Hmmmmm… to navigate your way out of debt, you need to save before you earn, focus on your needs and not what you want. Thank you for this morning devotional my prophet.
Lagos, Nigeria
I see a lot of people spending on unnecessary things and when you advice them they don’t listen, yet these same people will come to you wanting to borrow money. Am happy prophet has elaborated on this topic. I pray many including myself will adhere to this and start practicing it. Life is not a competition. Thank you my prophet for wisdom.🇬🇭🇬🇭🇬🇭🇬🇭
I gain wisdom in today’s topic 🇬🇭🇬🇭🇬🇭
Thank you Prophet for this word. Begin by learning to save before you spend.
The premium gbas gbos …Prophet is shaking all the tables in my house .Dont spend on what you like but what you need.The beginning verse is so deep .I recieve the wisdom of God to not only hear this word but may it transform me from inside out
There is nothing wrong with borrowing to invest if it is done wisely. Wow this an eye opener for me, it simply means one can borrow for expansion. Thank you lord for a knowledge gained today.
Thank you my prophet.
From Lagos
My prophet sir, this devotional comes in at the right time. I have been battling with dept lifestyle, but thank God we have you as a guidance on earth, you always give us the right devotional at the right time. I pray that God will give me the grace to navigate my way out of dept in Jesus name amen🙏🙏🙏
Lagos Nigeria
One goal I’ve set for myself this year – ‘managing my income wisely’
Thanks for the reminder my Prophet 🙌🏼❤️🇬🇭
Wow…. I save as if I have a debt to be paid. Thank you Lord
Ikeja, Lagos
Don’t spend above your INCOME but rather SAVE before you spend.
Thank you Lord……
Lagos, Nigeria.
Dear Father, I ask for wisdom to navigate my way out of debt in Jesus name.
Thanks you Jesus 🙌🙌🙌🙌🙌
I have sometimess struggled with abstaining from spending on my wants. Being an aspiring celebrity Musician and fashion model, it’s quite difficult to avoid purchasing certain pieces and accessories I come across with sometimes. Fashion Modeling somehow makes me spend on my wants without much consideration because every time, I always wants to dress nice and portray myself in my career. Though I’m not trying to live a lifestyle which is beyond my means, fortunately I’ve never been in debt while trying to build this career. Honedly, sometimes I regret spending on some accessories.. My challenge is, if I eventually stop keeping up to date on my branding, it feels like I’ve bandoned my goals, but these goals actually makes me spend too much on my wants .. What can I do in such
Lagos Nigeria
This Wonderful Digest, Really Cuts Across Many Spheres And Levels Of Life…. Individually, As A Family, A Society, A Nation….. Learning To Live Within Our Means Is A Habit We Must Consciously Learn And Practice To Live A Debt-Free Life, Glory To GOD, Hallelujah🙌🙌🙌. Thank You My Prophet Sir For This Amazing Piece, I’m Really Blessed Upon Coming Across It Sir🙏
CHUKWUNONSO PAUL, GPC Lagos, Nigeria🇳🇬
Thank you so much my prophet for this direction, because most of the times, we humans due to our insatiable thirst to have, we forget to identify our wants from our needs, but after reading this, will help us go about our day to day lives avoiding debt be.
Thank you so much my prophet for such wisdom and I bless the name of God for giving you such wisdom
The way out of dept is to consciously budget your income on needs not wants.Cutting down irrelevant expenses that aren’t essential for survival and developing a saving habit to first pay yourself after receiving any income.
LAGOS 🇳🇬
It is quite true that a lot of people aren’t using debt the right way. It takes the power of God to break this cycle.
Once again, a very beneficial read. I’ll most definitely be sharing this with many loved ones 🙌
It is quite true that a lot of people aren’t using debt the right way. It takes the power of God to break this cycle.
Once again, a very beneficial read. I’ll most definitely be sharing this with many loved ones 🙌
Lagos-Nigeria
Thank you, Prophet. This is LIGHT 💡.
Spiritual financial intelligence 🔥🙏🏾.
Oh Lord, please grant me the grace and the spirit of power and of wisdom to over all my debts both spiritually and physically in Jesus mighty name. AMEN!
Liverpool,UK🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧
Wow
You can navigate your way out of debt zone by ensuring that your expenses are always below your income.
Lagos Nigeria
Understanding how to prioritize needs over wants/likes is an effective decision in savings, I know when I save more I can be more active when it’s time for the necessary spending or settling depts.
– thank you Prophet for enlightenment
– Lagos, Nigeria
I wish this could get to everyone 😪
Key word for me: save before you spend! Many at times, we get carried away with our wants thereby leading us to debt that could simply be avoided,, being in a debt zone will not only make us unsuccessful but also an irresponsible being,,God bless the prophet for this wonderful topic 🙌
My God
My prophet sir, I love the way the Devotional teaching is going sir. Sir you are touching different part of the problems 90% or more are facing day by day sir. May Almighty God continues to bless you richly sir.
Logos
Wow… Actually this is a great topic… Bcuz is what almost all of us are going through.. and I have learned from it…. We must have the habit of savings… Before any other things…. I pray God gives us the strength to do so… Amen 🙏
“Consider your savings as a debt owed and separate it before you begin to spend.”Thank you for sharing this wisdom sir. Very helpful.Lagos, Nigeria.
I receive grace to manage my income wisely
Father give me wisdom to navigate my way out of debt zone and grace to spend wisely 🙏
Rhoda 🇬🇭🇬🇭🇬🇭
My God, I refuse to stay in debt or engage in habits that will make me be in debt. This message has a lot to teach oo!! We should learn to buy things we need and not what we want just because we have money 💴
Interesting topic, the topic dept is Something we need to educate ourselves and those who mind and thought is buried in borrowing did not really understand or know the consequence of been a deptor
Thank you Prophet for this word. is also important that you only buy what you need and not just what you want or like. Your needs are your necessities like housing, electricity bill, etc., while your wants are things that you like but can do without. Thank you Lord
Lagos, Nigeria
“It is also important that you only buy what you need and not just what you want or like. Your needs are your necessities like housing, electricity bill, etc., while your wants are things that you like but can do without”.
The above just explains all I/ we need to do.
I will increase my savings,spend wisely so that I can get what I NEED and WANT
Note: ONE CAN BORROW TO INVEST,BUT NOT FOR DAILY BREAD,AND NOT FOR SURVIVAL ayayaaaaaaa!!!!!
Thank You Jesus for teaching our prophet who in return teaches us. Hallelujah!!!
Lagos, Nigeria.
Today’s topic is what everyone need to take it serious and apply it in their daily life and make it a lifestyle.
Begin by learning to save before you spend. Consider your savings as a debt owed and separate it before you begin to spend.
I pray for grace to learn how to save before I spend.
Omg, this is very through.
Lagos Nigeria
This is a very powerful topic. What is said is very correct. Learning how to manage resources is really important. And most people are Vitim of this lack of planning leading to debt. While growing, I have been thought that your income should be more than your expenditure. But sadly, most people spending is far more than income. To come out of this, you have to change your spending habit by changing your mind set. Borrowing is not healthy especially, if you borrow for consumption.🇨🇾🇨🇾🇨🇾🇨🇾
Such an interesting topic this morning. It is important to differentiate between needs and want. Ensure you save before spending your income on other things
Lagos, Nigeria
WOW…. My Prophet, this is a topic of great importance. I learn to prioritize and navigate my way out of the debt zone.
Woo, this is an eye opener, thanks God that there is hope and this teaching will help a lot of us, glory to God for giving us a prophet that hear from God
Eii God, so much needed at this time. Thanks you so much my Prophet sir🇨🇾🇨🇾🇨🇾
Saving before spending is a wise decision to make… Also living below your income.
Many people have put a stop in their lives because of debt and the attitude of borrowing.
I have gained wisdom from the devotional today.
Thank you Prophet.
Lagos,Nigeria
Today’s topic was very impactful in my Life…I would manage my finances properly hence forth and stay out of unnecessary debt ..
Thank you my Prophet
Wow. What an insight. May God give me the grace to heed to this heavenly wisdom. Amen.
Thank you for the wisdom of God brought to us daily my Prophet as we pay the savers-debt. We are blessed with your teaching, books and resources. God bless you Sir
“Begin by learning to save before you spend.
Consider your savings as a debt owed and separate it before you begin to spend. It is also important that you only buy what you need and not just what you want or like. Your needs are your necessities like housing, electricity bill, etc., while your wants are things that you like but can do without.”
This third paragraph spoke volume to me in a lot of ways. Today’s devotional came at the right time because I’m actually restructuring my financial plan. The more I read these devotionals daily, the more, God keeps guiding me in the practical area of my goals. Indeed the word comes by the conviction of God. Thank You Lord
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Woo, this is an eye opener, thanks God that there is hope and this teaching will help a lot of us, glory to God for giving us a prophet that hear from God,
From lagos Nigeria
Debt is one of the reason many people are not attaining financial freedom, Thank you sir for sharing how to navigate through debts.
Lagos, Nigeria
One of the common reasons for being in debt zone is because most persons already exhausted/spent the paycheck they have not yet received.
Thank you Prophet for this revelation to be able to navigate out of this zone by ensuring that my expenses are always below my income.
LAGOS, NIGERIA
Such wisdom here today. Living debt free is the best life any can long for.
Saving as a matter of urgency must be. If we would learn to reduce unnecessary spending especially on liabilities, we would life more debt free.
This particular topic is one believers must meditate on.
I can come out of every debt..wow what an insight,Seeing that i can save for my needs and treat them as an expense
Thank you so much for today’s devotional
Tianna from Lagos
Studying the Devotional with my family as the Prophet instructed was so great and I was bless……Glory to God. Lagos Nigeria
This is what I needed this morning, I was trying to make a difference between needs and wants, and at that point, I didn’t know how to come out of debt
Thank you my Prophet for leading and directing me rightly at the right moment of my needs. 🇬🇭🇬🇭🇬🇭🇬🇭🇬🇭
I do away with any unnecessary spending and live within my means. This year, I refuse to live in debt in Jesus Name!
Accra, Ghana🇬🇭🇬🇭🇬🇭🇬🇭
Oh my God
I see what I wasn’t seeing before
Thank you for the inspiring devotions
Glory to God, thank you my Prophet for reminding me that to be in debt is a bad situation, I learn to save appropriately to stay out of debit and to be prepared for events that may come my way so help me God
Lagos Nigeria
Wow… What a eye enlightening and life changing words This has help me to know when and how to navigate my way out of debt…Thank you Lord for the revelation of your word
Lagos
Being in debt is a very suffocating situation. If one is not wise one can stay in this situation for life and leave it as heritage to their children. Lord help me 🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧
This is so encouraging, it’s wise to save before spending… I’m running with this word!
The fact that this devotional does not just come with timely words but also with relevant prayer points and books as well as audio messages to further guide and increase knowledge in the subject matter is just pure WISDOM. Thank you ever so much my dear Prophet of God for this rare ginseng every morning.
-Lagos
Glory to God, thank you my Prophet for reminding me that to be in debt is a bad situation, I learn to save appropriately to stay out of debit and to be prepared for events that may come my way so help me God. Lagos
This topic is an important one, especially as it’s still early in the year. How much we can achieve this year depends so much on how we can manage the resources we receive.
Your wants are things that you can live without and your needs are necessities.Begin by learning to save before you spend. Consider your savings as a debt owed and separate it before you begin to spend.
Thank you Prophet🔥🙌🏾
Accra, Ghana 🇬🇭🇬🇭
Define the objective of debt before you go for it. Is it meeting needs, wants, or investments?…..
LG, NG
Seems like today devotional is directly referring to me….thank you my prophet sir, more grace more anointing 🙏🙏🙏
Wow! I always look forward to reading the devotional daily because there is always so much to learn from it…. From now on, I will consider my savings as a debt I owe… Thank you, Prophet.
Liverpool 🇬🇧 🇬🇧
This is so encouraging, it’s wise to save before spending… I’m running with this word!
Lagos, Nigeria
I receive the Grace to save as a matter of debt before running expenses.
Thank you Sir!
Word ☺️☺️☺️☺️☺️☺️
🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
This thematic is very important. Most of the time, we thought that it’s the devil who doesn’t want us to really prosper, while it’s a lack of wisdom coming from us. Many people are navigation in pretending instead of being… Buying expensive things we don’t really need. Thank you man of God for this teaching.
From GPC Calavi, Benin Republic 🇧🇯🇧🇯🇧🇯🇧🇯
Considering my savings as a debt owed puts me on a constant spot for deliberate savings. This is the best savings consciousness I have ever heard
Today’s topic haven’t just helped with a finance level changing mindset but also the wisdom to have a debt free life.
Thank you Prophet for sharing from your depths of wisdom
I learnt so much today. My eyes have been opened to see how I can live a debt free live by ensuring I only go after my needs and not my wants.
Lagos Nigeria
I will only spend on what is needed ..thank you Lord 🙏 Elizabeth from Ghana 🇬🇭
This is the word for the now. Debt zone is not a place to be in. A life of competition, trying to meet up with the trend of this world has put alot of people in this debt zone, hence, the need for savings before expenditure.
Thank You Sir for this teaching.
Ikeja Lagos.
i was so bless with the devotional, glory be to God
This message is timely…. Thank you sir more grace for greater revelations
Thank you sir, I pray God grant me the grace to learn how to live above debts in Jesus name
Lagos, nigeria
i was so bless with the devotional, glory be to God, lagos
Wow thank you very much sir this is very helpful to me rn especially in the area of knowing your need and want (debt)…most times it was really complicated to understand this… you spread the knowledge to us now
Lagos Nigeria
Wow thank God for this revelation. I now know how to live a debt free live and also how to ensure irrespective of what I earn I can still have savings if I engage the principle of seeing my savings as a debt I owe myself
Lagos Nigeria
Father I pray you help me not to live in debt in jesus name Amen
“There is desirable treasure and oil in the dwelling of the wise.” Thank you prophet for teaching us wisdom.
Nigeria
Thank You Lord for Your Word today. 🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
Learn to save before you spend. Consider your savings as a debt owed and separate it before you begin to spend. Apt 👌. I take yield to this uncommon wisdom and counsel.
Sunderland, United Kingdom 🇬🇧🇬🇧
After reading and saying this prayers something left my body immediately. Thank you so much my Prophet. These came at the right time
Jesus is Lord 👏😱
This topic debt is complex but very wide when it’s comes to explanation.
Just like my prophet said there is a way out of it which is certain you. Would be out of debt zone .Thank you lord
Lagos , Nigeria
This is so profound because this particular topic is one which has held people bound and quenched their creative fire, now personally I can navigate my way in my finances, GLORY TO GOD.
– Lagos, Nigeria.
Your needs are your necessities and your wants are things you can do without.
This is amazing. I will learn how to manage my wants from now on so I don’t fall into the debt zone.
Thank you my prophet for such revelations
Lagos, Nigeria
I love this subject, Lord thank you for the grace and skill in knowing the difference between needs and wants,
This understanding has been a great tool for my saving habit. I live a life of debt free because my expenses do not exceed my income.
🙏🙏🙏
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My prophet always cares about every sphere of life and make sure He enlighten us on it… thank you My prophet.. Lagos Nigeria😍😍😇😇
Thank you Lord. I receive grace to manage my income wisely. I refuse to live in debt in Jesus name.
Lagos. Nigeria.
It is also important that you only buy what you need and not just what you want or like. I refuse to live in debt.
Lagos Nigeria.
The advent of digital lending has seen many plunge into debt they didn’t envisage. Thank you sir for teaching us how to navigate out of debt from today.
Tee, Lagos NG
Save as a matter of Debt And spend only on necessities. This is my mantra for finances in the year 2023🫡🇬🇭🇬🇭🇬🇭
I look forward to growing my savings.
Lagos Nigeria
Thank you my prophet.I will start separating my savings as a debt owed before I start spending.This came at the right time.
Lagos,Nigeria.
God bless you sir for this words of wisdom.
Thank you Jesus for deleting no longer has a hold on me.
I am debt free in Jesus name. Thank you Jesus Thank you my prophet .❤️ Lagos, Nigeria
Our incomes must be higher than our expenses if you want to be free from debt, we should navigate out the debt by stating our priorities, not because you want it .
Lagos NG
From today’s devotional, I’ve been able to deduce that with 3 important keys, I’ll be able to not only navigate my way out of debt, but also live a debt free life and they include:
Thank You So Much My Prophet For Yet Another Timely Revelation. God Bless You.
-Accra Ghana 🇬🇭🇬🇭🇬🇭
Begin by learning to save before you spend. Consider your savings as a debt owed and separate it before you begin to spend. It is also important that you only buy what you need and not just what you want or like. Your needs are your necessities like housing, electricity bill, etc., while your wants are things that you like but can do without.
Thank you Lord, this was for me
Thank you Lord this wisdom 🙌
This is very deep.
There is nothing wrong with borrowing to invest if it is done wisely but, the people in the debt zone borrow to meet their needs – they borrow for survival. Glory to God you can navigate your way out of this zone by ensuring that your expenses are always below your income.
I just escaped the Debt Zone a couple months ago, Its was hell!… I wish I had come across words like these years back to safe me from all the hardship I went through staking debts… Thank You soo much for sharing these and I pray everyone learns
Glory to God!
What a great topic!
“If you will manage your income wisely, you can navigate your way out of the debt zone.”
Learnt something from this topic.
Thank you Prophet.
Lagos, Nigeria
It is also important that you only buy what you need and not just what you want or like. Your needs are your necessities like housing, electricity bill, etc., while your wants are things that you like but can do without.
Lagos
The more you stay away from some kinds of unnecessary Debt, the better you can actually plan your finances. LAGOS, NIGERIA
“Consider your savings as debt owed”, this is profound. Savings is too important to be ignored.
Thank You Lord, for today topic topic.
Wisdom to come out of the debts zone.
OH Lord ,l ask for grace for my family to manage and to learn to save in Jesus name amen
These words are timely and so profound .
Lagos Nigeria
Thank you Lord for this wisdom 🙌
This is very deep.
There is nothing wrong with borrowing to invest if it is done wisely but, the people in the debt zone borrow to meet their needs – they borrow for survival. Glory to God you can navigate your way out of this zone by ensuring that your expenses are always below your income.
Thank you Lord for this message
It came right on time
Lagos.
Financial stability is a hug topic that covers a wide spectrum of sub topics.
One has to be disciplined, focused, determined, and wisdom.
May we be as wise as Solomon.
As human, we are prone to insatiability, we want everything even what we don’t need, hence wasting funds on unreasonable expenses.
Ojo, Lagos
Amazing
Learning to separate your wants from your needs is very important.
Lord give me the grace to never be in the debt zone and assist me to spend wisely… 🙏🙏
One of the striking things for me on today’s devotional is to consider my savings as a debt owed and separate it before i begin to spend.
I have made a decision to apply this truth going forward.
By the special Grace of God Iam out of debts IJN AMEN
The debt is a great topic that people needed to be aware of ,in order to know to how to handle it
I prioritize my spendings by buying only the things I need and not my wants. Thank you lord for this understanding.
There is a wisdom to navigating out of debt. Ensure to spend your income wisely prioritizing your needs and wants.
Lagos
This is so touching. Sometimes we think that the only way out of certain tough situations is to get loans. But once we develop this mindset of staying out of debt, we have control over our finances and our life. Thank you my Prophet 🇬🇭🇬🇭🇬🇭
Debt zone is not God’s design for us. We can come out of there or avoid entering there. The way out had been elaborated to us today. I choose to make this a functional wisdom.
REV INNOCENT EKELEME
LAGOS NIGERIA
Lord thank you for the gift of prophet Isiah wealth, every time with you sir is an inspiration. Though I don’t see myself in this zone ,but this really helped me not to even think of being in the debt zone but inspired me to think wisely so that the debt zone can be eliminated from my search maybe in the future. Commenting from lagos,thank you sir
My God.
You can be out of debt if your expenses is lower than your income.
Thank you my Prophet for this great insight
LAGOS, NIGERIA
What a word!! daily dose of wisdom and grace. I live a debt free life!
The best culture to success is saving and ensuring no debt as a result of wants.
Just ensure my standard of living is far below my income. 2023 is saving year for me.
Sunderland UK
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Dear lord help me to know how to navigate my way out of debt. Thank you so much my prophet sir for this eye opening revelation 🇬🇧🇬🇧
Thank you so much sir for this amazing piece. I learnt so much from this. “Save before spending”. This is a culture that I am going to live by now.
Lagos Nigeria
Thank you father for always putting me on the right track🙏🏽I ask for the wisdom to always navigate my way in you lord 🙌🏽🙏🏽🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾❤️
Thank you so much My Prophet for word of counsel and advice. Lagos Nigeria
Thank you so much My Prophet for your word of counsel and advice. Lagos Nigeria
Help me Lord not to be in a bad debt. Give me the grace and ability to use my resources wisely.
Lagos Nigeria
My prophet sir ,thank you for this teaching
The topic of debt is something we need to hear daily in this country,I pray we come out soonest with the help of our Almighty God 🙏
Being in debt is not the will and plan of God for his children according to Deuteronomy 15:6. The topic today exposes the major reason why lots of people get into debt; Expenses Exceeding Income.
Thank you lord for this understanding!
– Emmanuel Ped
Island Mega Zone, Lagos
If you will manage your income wisely, you can navigate your way out of the debt zone. Be encouraged, no matter how deep in debt you are, you can come out of it.Father, I ask for wisdom to navigate my way out of debt in Jesus name. 🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
Wise words my prophet.
Dear Father, I ask for wisdom to navigate my way out of debt in Jesus name.
Thank you my Prophet for the wisdom today. Today’s devotional is a deliverance on it’s own.
Victor Arokoyo
Ikeja, Lagos.
This is not just a word of encouragement to me, it is also a Prophecy and an instruction. Thank You so much My Prophet.
IKEJA, Lagos.
This wisdom is needed in the nation right now, more than ever!!! Spot on my Prophet!
Save as a matter of debt..
Where my savings is seen as a debt.
This is a brilliant lifestyle skill to learn.
Thank you esteemed Prophet, for this master piece
Such a relevant teaching today that I and many others can benefit from. There is nothing wrong with borrowing to invest if it is done wisely. Thank you my Prophet 🇬🇧🇬🇧🇬🇧🇬🇧
Very insightful topic…
I now see saving, as a debt, I must pay.
Thank you Lord for this word today.
Timely word . I receive wisdom for financial prudence!
Thank you sir
Sunderland UK 🇬🇧
Today’s Topic of the Devotional has changed my life. I now have the knowledge to fight against the chains of depts, knowing I can save with the knowledge that what I’ve saved is debt to me, before spending on any other thing that I actually need.
This is one important part of life that have held so many of us down… Kai!! I love the fact that prophet teach about topics like this… God bless you sir…
This is what I learnt today!!!👇.
Begin by learning to save before you spend. Consider your savings as a debt owed and separate it before you begin to spend.
Chai!!! I need to share this article with people!!…
Lagos Nigeria…
Thank you my prophet sir for these words of wisdom and encouragement. I explore everyone to apply the wisdom in today’s message to stay debt free and manage our finances better .
Lagos ,Nigeria.
Thank you Prophet for bringing this understanding to the front of our face. Luton UK 🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧
This topic we have heard other times but in such a time like this it is paramount we take it to heart, the time we are in now ought to live a debt-free life. we must start planning our finance as the year is still very fresh to achieve that desire for debt free life. Glory to God 🇬🇭🇬🇭🇬🇭
This message is so amazing… This make to realise that the things that I desire are what Is keeping me in debts because I want to compete with others.. All this while my want always exceed my needs…Thank you my prophet for enlightening me on how to save more ad though it’s debt I am owing.
Lagos Nigeria
Today’s Topic of the Devotional has changed my life. I now have the knowledge to fight against the chains of depts, knowing I can save with the knowledge that what I’ve saved is debt to me, before spending on any other thing that I actually need
@LAGOS NIGERIA 🇳🇬🇳🇬🇳🇬
I can navigate my way out of the debt zone. no matter how deep I am in debts, I can come out of it.
First Be encouraged
Secondly learning to save before you spend.
Considering my savings as a debt owed and separate it before you begin to spend.
Henceforth this principle is activated in my life and I will manage my income wisely and by ensuring that my expenses are always below my income.
Thank you so much my prophet sir for this deep understanding and knowledge
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I learnt that I should live within my means so as not to be subjected to Debt and to save before I spend
Lagos Nigeria
Glory to God
Lagos, Nigeria.
Keywords highlighted for me is “Begin by learning to save before you spend. Consider your savings as a debt owed and separate it before you begin to spend”
Like I usually say debts is not actually a bad thing if invested in the right thing rather than spending it frivolously.
Thank you my prophet for another insights on how to navigate through debts.
Lagos.
It is very important to spend lesser than our income to avoid running into debt. Help us lord . Thank you sir for this morning devotional. Is indeed a great topic to look into.
Lagos Nigeria.
Father Lord I ask for the Grace to make the right decisions in my life as not to end up in deep debts….In Jesus name…
Amen…
Accra Ghana
Thank you My Prophet for taking time out to talk about something that hits everyone at some point in time.
Especially at this time of economic downturn. Thank you Sir.
Lagos, Nigeria
I navigate my way out of debt by learning to save before I spend. Thank you my Prophet for this teaching.
Lagos, Nigeria
The Topic on debt is something that needs to be over emphasised most especially in Nigeria where we live and enjoy fake lives. Competing with people who can’t even notice you.
I learnt so much today, learning and planning to save for yet to arrive income and ensure to go for necessities and not just luxury.
Glory to God
Lagos, Nigeria
Oluwajuwon
Perfectly said just like my Economics Teacher used to say ,I have applied that in my plans which have being helping ✌️.
May I not squander the money God has entrusted me with and may I be a good steward of this resource. I pray it will be used to do great things for the kingdom through my hands so I refuse to be in debt.
Thank you for this devotional sir 🇬🇧🇬🇧🇬🇧
Our devotional is always a light up for the day. Increasing knowledge each it’s been read. Thanks sir, thanks great team. More wisdom.
Thank you so much my prophet sir,
I love the wisdom each and every day. Will begin by learning to save before spending
This is very important because sometimes we spend more than our income and Borrowing for survive is not a healthy one.I have learnt to spend only on the things that are of necessarity, this what i really need at this moment.
Thank you so much my prophet
For this topic
From Lagos.
Thank you Prophet for yet another counsel. This dreadful zone “debt zone” is a zone one can come out from with the solution you proffered. It’s important one is deliberate about looking out for this zone as it deprive one of his future today-spending your future benefit today.
Thank you Lord ,I receive wisdom to navigate my way out of debt
I’m glad you did. Now you have the solution at hand. May God strengthen you to be deliberate in it.
The Bible says, “wisdom is profitable to direct…” may we receive the discipline to apply this wisdom in Jesus’ name.
From Lagos, Nigeria.
Thank you Lord
learning how to save should be a lifestyle. Hallelujah
This topic is worth learning by all and sundry cos it cuts across religions boundaries especially in Nigeria where people don’t even mind to borrow just to meet up with their peer group or as the case may be. May God help us to always not exceed our budget.
Wilson, From Lagos.
The scriptural text of the today’s devotional alone is very instructive and enlightening on spending wisely
It’s important to Spend on what is needful and not just what you wants or like
Your needs are your necessities, While your wants are the things that you like but can do without
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CHUKWUNONSO MICHAEL
LAGOS NIGERIA
Thank you Lord, I receive wisdom to navigate my way out of debt in Jesus name
Lagos
Waoohh..the difference between needs and wants is clearly stated..
I ensure I save on every money i get…
This is insight..
Thank you Sir
Lagos, Nigeria
Living in debt is a sure way to live in waste. Today’s devotional has helped me to reemphasize and re-evaluate what is truly important. This year I set a personal target to save and even though I haven’t been consistent like i should, I am glad it’s been worth it in every way.
Lagos
Today’s devotional is one that resonates with me deeply. No debt zone, I save before I spend, I only prioritize my needs not wants. My prophet is always giving wisdom for my life.
Glory to God!
We can actually live below our income if we can exercise self control .what a word for us today, quite instructive
Thank you lord for this wisdom, help us lord not to be foolish and to steer away from dept.Amen
Pure Wisdom. Knowing when to separate wants from needs is the beginning of wise spending. Great lesson learned. Thank you my Prophet.
K.I. – Ikeja, Lagos
What I learnt from today’s devotional is that debt is the way to financial strain and saving as a matter of debt would take anyone out of debt
Being in a debt is a risk and scary thing cause you can be embarrassed at anytime and is not good to be disgrace outside when two people make and agreement secretly,may God almighty help us all in Jesus name amen i love this topic
hmmm, I hear my Papa.
Even though, I finds it challenging to increase my income, reducing my expenses should be not be.
I must always keep the ratio of my income to expenses up at all time.
Lagos, Nigeria
Thank you lord for this topic
My God .
I would make plans to not live above my income .
Of we are truly going to experience the promise of God on our lives this year, living a life free of debt is very key !
Lord help me to be prudent in spending . Thank you for this relevation my prophet .
Lagos , Nigeria
“Begin by learning to save before you spend. Consider your savings as a debt owed and separate it before you begin to spend. It is also important that you only buy what you need and not just what you want or like. Your needs are your necessities like housing, electricity bill, etc., while your wants are things that you like but can do without” Wow I have learnt something today…My needs are different from my wants.The only debt I should owe is one from an investment…. Thank you my Prophet for this teaching
–LAGOS NIGERIA
Thank you My Prophet. WhatI learnt is this : “Some persons are so deep in debt that the paycheck they have not yet received, has already been spend”
Save first b4 spending. What I save comes back to save me
Hallelyah
Thank you Jesus.
This message is for me. Thank you Lord Jesus for revealing this through your prophet.
Reading this devotional I found this sudden peace within and around me and honestly! I don’t want to miss out anymore. So help me God.
Amen 🔥
I need to read this again and again for constant growth
Thank you for this massage sir this really encourage me I will learn hw to spend best on my income
I will ensure my expensive are always below my income
And I will also learn hw to save before spending
Thank you my prophet sir.
Lagos Nigeria
Never will I keep leaving a debt life, once in such level, I had to fight it out.
Kelvin ikorodu lagos
Don’t borrow to spent, rather to invest
Learning and practicing saving before spending and spending on the things you need rather than what you want are the keys to a life of debt free experience. Thank you prophet of God for this piece.
Don’t borrow to spend, rather invest
Lagos
I am John from Lagos Nigeria. I want thank God for a Platform like this
My God I receive this great wisdom Father to navigate myself out of debt.*my needs are my necessities while my want are items I can do without*-this is deep.
I receive wisdom Lord.Holy Spirit help me
Joy Wilkie
Lagos.
Getting out of debt can be very difficult if not approached with topmost wisdom and postponement of personal gratification. This and more is what today’s devotional teaches. Thank you sir.
From LAGOS
I should be able to deferentiate my needs from wants and also avoid spending unnecessary. Thank you my prophet
It’s important to save before you sownd, this culture must be adopted by many.
Lagos Nigeria
PST SAM OGWUCHE, LAGOS HQ.
Until you save as a matter of debt,you can never be free from Debt Zone.
Prophet Isaiah Wealth..
Wow I found this very interesting it sink down of me.
Hmmm God bless my prophet with this powerful and wisdom filled devotionals: lord help me to cut down on my expenses and help me to be able to save always🙏
-GPC Cyprus 🇨🇾🇨🇾🇨🇾🇨🇾
Amazing read
My God , today’s devotional is speaking directly to me, to be a debt free individual,you have to live below your income not above and prioritize saving like you are paying a debt. Deep stuff my Prophet.
Aberdeen Scotland 🏴🏴🏴🏴🏴
Begin By Learning To Save Before You Spend… Hmmm… Deep Stuff.
I’m So Blessed By The Devotional Each Day. I Always Look Forward To Learning New Things From It Each Day.
Lagos, Nigeria.
Considering my savings as a debt owed will help my savings plan and save me from the danger of debt zone. And differentiating my need from my want will go a long way in helping me live below my income.Thank you Lord for this Powerful insight on how to live a debt free life 🙏
Cyprus 🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
From today I consider my savings as a debt owed and separate it before I begin to spend.
My need are my necessities while my wants are things that I like but can do without.
Begin by learning to save before you spend…Because in the Dept Zone, Expenses always exceed income.
I navigated my way out of this zone by ensuring that my expenses are always below my income.
Lagos, Ikeja
This is insightful
I’ve learnt to separate my needs from wants
I also learnt that for one to do away with debt, one must learn to live below one’s income.
Knowledge is power indeed.
Thank you Sir
I can navigate my way out of the debt zone. no matter how deep I am in debts, I can come out of it
Dear Father, I ask for wisdom to navigate my way out of debt in Jesus name🙏🙏🙏🇨🇾🇨🇾🇨🇾
My God…….
I will live a life free from borrowing. There is desirable treasure, And oil in the dwelling of the wise, But a foolish man squanders it.
Gpc Cyprus 🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
I receive wisdom to navigate my way out of debt in Jesus name amen
Thank you prophet sir for this wonderful meal
Thank you so much sir for today’s devotional I’m not going read it alone so many people needs to hear this.
Lagos Nigeria
Thank you Lord for this devotional 🙏
Thank you My prophet 🇨🇾🇨🇾🇨🇾
Consider your savings as a debt owed and separate it before you begin to spend Thank u lord gpc cyprus 🇨🇾🇨🇾🇨🇾🇨🇾
This topic of debt does not only shake but completely breaks the table
Loans seem to be encouraged globally making so many live perpetually in debt.
Thank you so much my prophet for throwing great light 💡 on this matter.
I receive Grace to do the needful
Lagos Nigeria
The way to navigate debt freedom is to save money and see yourself releasing yourself from the debt. Thank you my Prophet.
Lagos, Nigeria
I Always love hearing Jerusalem
Hmmmmm
Oh lord help us to maintain our income. To avoid us going into debt Zone
This is deep
Thank you prophet Isaiah wealth ❤️❤️❤️
Lagos Nigeria
In this country of debts we need this
LAGOS, NIGERIA
I can’t begin to explain how this devotional I helping me and speaking wisdom to me for real . I have been facing this situation for a long period of time now. Thank you so much my Prophet . May God Almighty continue to use you
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I love today’s devotional. Many have gotten into borrowing that it becomes a habit.
With this knowledge no matter how deep in debt one is, one can come out of it if only the wisdom from this devotional is applied.
Thank you my Prophet for giving us real life tips everyday to keep us productive and excellent.
This is just the right instruction for my 2023…Lord help me to cultivate the habit of saving before spending on those stillhettos that I can actually do without.
Lord let this word sink into my spirit and deliver me from impulsive spending .
What a wisdom!
Thank You LORD
I can navigate my way out of this zone by ensuring that my expenses are always below my income… This is a much needed word. I take heed.
Thank you so much my Prophet Sir
Peace, ZA🇿🇦🇿🇦🇿🇦
The main disadvantage of debt financing is that interest must be paid to lenders, which means that the amount paid will exceed the amount borrowed.
Thank you Lord for the reminder to save and spend on needs not just wants 🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
Subjecting my expenditure always way below my income leading to savings for investment is key.
Lagos Nigeria
This topic is timely. I receive wisdom to navigate my way out of debt. I begin to save monthly and live below my income.
GPC Luton UK 🇬🇧 🇬🇧 🇬🇧
Today’s topic is needed in our everyday life.i pray God give me the grace to navigate
I am super excited about this topic because it unravels the most precise formula for debt cancellation which effectively overrules financial crisis. I think every country should also adapt the principles in here
This is so true and spot on.
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More oil pastor, I read the book 7 wisdom and money habits just when when I needed it 🤸🏾♀️🤸🏾♀️🤸🏾♀️, so full of wisdom.
The main disadvantage of debt financing is that interest must be paid to lenders, which means that the amount paid will exceed the amount borrowed.
Lagos
This has taught me, the importance of saving before you spend. Oh lord, help me to apply this in my every day life In the name of Jesus
This is sooo for me…. It is wise to save and get what I need rather spending on unnecessary things. Thank you LORD for this revelation 🔥🇬🇭
Thank you my Prophet, Sir, for this teaching.
I must manage my income wisely – through saving, spending on needs, and spending below what I earn, in order not to be in debt.
Thank you, Sir.
GLORY TO GOD.
-Lagos, Nigeria
Thank God for insight 😇.
Lagos
“My needs are my necessities” This is just the right words i need right now. being in debt can be very frustrating, when you can’t even account for your money worked at the end of the month.
Today’s devotional has awakened a kind of mindset in me. I will begin by learning to save before I spend. I will Consider my savings as a debt owed and separate it before I begin to spend.
Lagos, Nigeria.
Saving as a necessity is one of the biggest money habits anyone can develop…add that to spending only on your needs and ones financial life will start to have a meaning…These topics keep blessing the Body…Thank You so much Prophet
– Lagos
Great topic for the devotional today🇨🇦🇨🇦🇨🇦
-Edmonton AB Canada
I love the part that said “if you find yourself in this situation there’s still hope”
Thank you Prophet for this hope giving piece
Thank you my prophet for this powerful devotional
I refuse to spend more than I earned
I will always make sure I spend on needs Alone
Thank you my prophet may God bless you more 🙏🙏🙏🇬🇭🇬🇭🇬🇭🇬🇭🇬🇭🇬🇭🇬🇭🇬🇭🇬🇭🇬🇭🇬🇭
Wow, I really needed this sir😩, thank you so much, my income management life is a disaster sir, I have learnt lessons from this words sir
Wow, I really needed this sir😩, thank you so much, my income management life is a disaster sir, I have learnt lessons from this words sir
Wisdom for life….I choose to be nowhere near the debt zone, so help me God. The idea of considering my savings as a debt owed is invaluable. I receive grace to manage my income wisely in Jesus name.
Anne GPC Luton, 🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧
I choose to manage my income wisely and borrow if need be for the right reason. Lord give me wisdom to navigate my way out of debt in Jesus name. Amen🙏
Learning to save before spending..
This can’t be overemphasised…!!!
What a great word of wisdom we’ve got today! We’ve got to prioritize our needs over our wants. And, saving as a matter of debt keeps you out debt. Wow! Thank you so much for this Prophet. We’re being daily blessed by these devotionals here in Canada… 🇨🇦🇨🇦🇨🇦🇨🇦🇨🇦
Thank you my Prophet for letting understand and there is a way out. Now with this understanding I can make profit and by spending on necessity not just what i like or want but what i need.🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾🇨🇾
Consider your savings as a debt owed and separate it before you begin to spend.
This part really struck
Our savings truly is a debt
I choose to spend wisely.
Thank you Lord 🇨🇾🇨🇾🇨🇾
The debt zone is not my zone. I gain wisome to live above debts
I leant something very important today…save something no matter the situation. Thank you very much Sir 🙏
I leant something very important today…save something no matter the situation. Thank you very much Sir 🙏
Important topic today on how I can navigate my way out of the debt zone by ensuring that my expenses are always below my income, and saving as a debt owed. Thank you sir for this wisdom.
– Dr. Caleb, Liverpool, UK 🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧🇬🇧
Thank you God’s prophet. It’s a privilege to be blessed with this devotional. From Agege, Lagos..
“Little drop of water makes a mighty ocean” the little you save today will save you in future. Suffer today(save) today and enjoy tomorrow so you won’t be in debt.
Help me Lord not to be in debt.
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“Little drop of water makes a mighty ocean” the little you save today will save you in future. Suffer today(save) today and enjoy tomorrow so you won’t be in debt.
Help me Lord not to be in debt.
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One thing I am thankful to God for is that I’ve learned not to borrow except for investment and today’s devotional just made me believe that I am doing the right thing. Borrowing is a habit that can deter a person’s progress.
Contentment is a great way for most people can avoid debt because a lot of people are pressured into living lives that are above their financial capacity, trying to prove a point.
I wish people especially Nigerians can read this piece of written wisdom from God’s Prophet.
-Sunderland, United Kingdom.
One thing I am thankful to God for is that I’ve learned not to borrow except for investment and today’s devotional just made me believe that I am doing the right thing. Borrowing is a habit that can deter a person’s progress.
Contentment is a great way for most people can avoid debt because a lot of people are pressured into living lives that are above their financial capacity, trying to prove a point.
I wish people especially Nigerians can read this piece of written wisdom from God’s Prophet.
-Sunderland, United Kingdom.
Knowing the difference between needs and wants is the first step in the right direction.
“You can navigate your way out of the debt zone by ensuring that your expenses are always below your income”.
This is so helpful, always save first before you spend.
Every one has an opportunity of a lifetime and when you misuse it, only Grace can bring it back to you.
Use your finances wisely
Cut your coat according to your material
No do pass yourself.
This way, you will avoid debt.
My God!
I learn to prioritise my savings.
I declare myself “DEBT FREE” in Jesus name 🙏
Thank you my prophet for this piece🤲🔥🔥
Ikeja _Lagos
Glory to God
Lagos
Always save first before you spend.
Every one has an opportunity of a lifetime and when you misuse it, only Grace can bring it back to you.
Use your finances wisely
Cut your coat according to your material
No do pass yourself.
This way, you will avoid debt.
This is so helpful sir
Thank you so much
I pray for More wisdom🙏
Blessing from Nigeria
This topic debt is a real life experience that I have manifested with my destiny and I learnt through the hard way. I thank God for this teaching.Now I am able to know my limit to what I owe and own. Thank you Lord. Demo Ajibola from Lagos
Always save first before you spend.
Every one has an opportunity of a lifetime and when you misuse it, only Grace can bring it back to you.
Use your finances wisely
Cut your coat according to your material
No do pass yourself.
This way, you will avoid debt.
This is so helpful sir
Thank you so much
I pray for More wisdom🙏
Blessing from Lagos💃💃💃
Majority of us are living in debt….let just pray God should give us more insight that will be pave a way out of debts ijn.
Lagos Nigeria
Learning to save before you spend.Very important key ✨💯
Lily-Lagos.
This message is very important at this time of scarcity cause it specifies the need to go for the things you need and not want… hmmm a blessed one
Exact word needed for my navigation this season … necessities and wants, I got that. Thank you Prophet of God
Exact word needed for my navigation this season … necessities and wants, I got that. Thank you Prophet of God
Thank you Lord
We ask that You lead us to ripe souls in the name of Jesus 🙌🙌🙌🙌🙌🇿🇦🇿🇦🇿🇦🇿🇦
South Africa, Pretoria…
Really blessed by reading this topic on debt. I think my life needs it at this time. Thank you prophet for the insight.
Wow what a word….don’t spend above your income….
The principle, saving as a matter of debt is profound. Fighting your way out of debt should be a lifestyle.. 🇬🇭
Thank you sir for this teaching. Saving is something I must begin to prioritize.
Thank you LORD for directions thy rod and staff they comfort me
this advice is really helpful thank you🙌. indeed we always find ourselves buying stuff that we dont need instead of focusing on the things we need and prioritise those expenses in order to not be caught up in not having enough to support yourself and then relying on people to afford (your lifestyle) which if done so many times could lead to a cycle of debt
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This topic is very impactful
This is very Impactful ❤️ Thank God I came across it
Lagos Nigeria