Overspending is a spiritual problem.

Overspending is a spiritual problem. It causes many marital problems. In order to have self-control we need to discover the spiritual root and ask the Lord for help. It could be we spend to satisfy a need that God wants to satisfy. Some people go shopping to cope with stress. That’s okay if it is within your budget but not okay if you are trying to use it as a coping mechanism, or something deeper within.

High incomes are not immune! Many with high incomes have higher debt and credit cards that are maxed out so they live paycheck to paycheck.

The root of overspending is selfishness.  For some overspending is due to a feeling of being deprived of something or loneliness. Overspending could be a way of compensating for a lack of intimacy in marriage. It temporarily fills a void where boredom or sadness exists. A person tries fill that void with materialism.

Overspending equals stress, debt, and frustration. The average credit card is $8,000. If we paid the minimum it would take us 24 years to pay it off. Many lose heart and file bankruptcy.

ACTION STEP: 
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1. Have a Biblical plan. Get advice and accountability. Pray and ask God to help you discover why you do what you do. Then ask Him to deliver you or heal you.
2. Establish priorities. God first! This is the outside indicator of whether or not you really trust God.

Do you believe God or do you just believe in God? Your spending will reveal the truth.