Out of Debt, Part Two


There are two little “altars” on top of my dresser.  I’ve never made an altar before; I’m a little paranoid of turning into some kind of a weirdo.  One altar is a pile of cut up credit cards.  The other is a small pile of loose change – pennies, nickels, and dimes.  I believe in the power of our words and thanking God in advance for what He’s going to do.  At least once day I look at them and thank God for His provision and healing.  I have been doing this since November.   

 Back in November, my church licensed me as a congregational minister.  I felt a tremendous sense of awe over the covenant I was about to make.  As much as I wanted it to happen, I was pretty freaked out about it too.  It is a marriage of sorts – not one that prevents me from marrying a man (whew!), but a declaration to the world that I am a minister of the Gospel and there is no going back.  I bound my life in covenant to God to be a representative of The Church for the rest of my life.  I did not want to have anything weighing on my conscience while I said those vows, so I went through a time of deep soul-searching and prayer in the weeks that led up to the ceremony.  

 In that time, God revealed a weakness I’ve been aware of but thought I had conquered.  I almost always have a plan, evaluating the circumstances and the resources available and deciding the best course of action.  I often do this without realizing it.  I can typically adjust the plan, if necessary, because not only is there a Plan A, but there’s also a Plan B and Plan C.  If you want to see my anxiety rise, throw a kink in the plan when I didn’t think I needed to come up with a Plan B.  This ability to plan has gotten me through many difficult situations, but I have found that God doesn’t have a big need for all my plans.  While my ideas of where things should end up might (sometimes) be in keeping with His, our ways of getting there are often very different.  For a number of years He has been challenging me to let go of my plan and trust Him.  I’ve often described the feeling as if I’m stepping off a high cliff with no safety net other than God’s word that He will catch me.  I like my safety nets.

 God convicted me prior to my licensing that I had a safety net and was not trusting in Him completely.  My safety net was my credit cards.  I knew living on credit was wrong, and I was embarrassed to let anyone know I sometimes bought groceries, clothes, and gifts on them.  I saw no way out.  I thought without them I’d be unable to survive.  The credit card balances were not pretty, but I believed God would make a way to wipe out the debt for me.  Of course, I had my own ideas about how He could do that:  book deal, rich husband, generous donor who God told to help me…  It was something I prayed about often.  The plan, by the way, did not include me paying them off myself.  

 One morning as I was getting ready for work, I found myself again praying for God to somehow relieve me of this credit card debt.  I reminded Him that much of it had been incurred when I was in seminary and my income was unstable and puny, if I had any at all.  I reminded Him that I was giving my life in service to Him.  I was right in the middle of my most convincing speech about how God should take care of this debt when He stopped me in my tracks.  


“Why should I pay off your credit cards when you continue to use them?”


There was complete silence on my end.   


Over the next 24 hours, I was able to process this statement and realize God wanted my full trust.  He wanted me to leave my financial future in His hands.  My “safety net” was not a real safety net anyway.  It was a deadly trap that was robbing my future.  (This all seems so clear now, but to my great embarrassment this concept eluded me for years.) 


The next morning before I left for work, I did what I’d previously thought impossible.  Like I wrote in the earlier post, I cut up the cards and headed for the trash can.  Right as I was about to dump them, something stopped me.  I’ve cut up other credit cards before, but I’ve always gotten more.  What was going to make this time different?   


I went to my bedroom and piled up the pieces on my dresser – a memorial, an altar, to remember so I never go that way again.  There was also a small pile of change on my dresser.  I left it there – like a ying to the yang of my debt.  The pile of coins is a reminder that it’s just money.  God owns everything and to Him this debt is like those pennies are to me.  He is able to do anything.   

Since that day, God has been doing a miracle in my finances.  God did lay it on the hearts of some people to help me, which gave me a great jump start. I have a plan to pay off the debt in a reasonable amount of time.  One card is completely gone.  One card is half of what it was two months ago.  God even provided me with a second job that allows me to use my particular skill set and work from home when it’s convenient for me.   


As I thanked God for His provision, I kept finding myself calling out to Jehovah Rapha, the God Who Heals.  At first this surprised me, but soon I realized the financial issues I’m facing are the result of an inner turmoil.  They are the result of pain I’ve carried with me.  By claiming my healing, I do not only believe for the financial debt to be paid, but for the emotional debt to be paid as well.   


God is my Provider and my Healer.  I can testify that He is healing the broken places inside of me.  That step seemed so impossible, but has caused the sun to finally shine in a place in my life where so much darkness had been.  If you come to my house, you will find a small pile of cut up credit cards sitting on top of my dresser.  It will be there until the day all the debt is gone.  


Filed under Spiritual Life

12 responses to “Out of Debt, Part Two

  1. Bill Cash

    I just stopped by your blog and thought I would say hello. I like your site design. Looking forward to reading more down the road.

  2. Good for you! John and I have been doing Financial Peace for the past 5 weeks or so, and I still have the credit cards. Haven’t used them, but I have them.

    Why? I guess I feel squeamish about cutting them up. Yep, there’s the irregular income. And the fact that my family depends on me to eat. But God is Bigger. And I really need to just do it. Thanks for the inspiration!

  3. tammy

    i disagree with ramsey on the cutting up the cards thing as being an across the board requirement. it depends on how you use them.

    so to Kim’s friend above, if you haven’t used them in 5 weeks, then why cut them up? you obviously can control it.

    for those who can’t, its a good thing to get rid of them.

    i’m proud of your steps in this Kimberly. it’s a good decision to get your finances in order.

    and for the record, i do listen to ramsey now and then and agree with a lot of his stuff. but nobody should be followed blindly, so listen to your heart and to many sources of advice. there’s a proverb somewhere about that … 😉

    • kimberlywenger

      I’ve been through Financial Peace, but I think all those programs need to be taken with a grain of salt. I don’t think everyone needs to do exactly what I’ve done by any means. If there comes a day when I can (in the far off future) use a credit card for some unknown reason and pay it off each month, then I might to that. But for me, at this time in my life, I needed to cut them up.

  4. Dodi

    I really like this. I think we all need to give thought as to where our trust really lies. Thanks, Dodi

  5. Michael

    Cutting up your cards is a bold and admirable move. You’re right, it depends on the person. Some people can control it by not carrying their cards. If they find something they want and can pay off at the month’s end, they can go home get the card and go make a purchase. Another way is to put your card(s) in a bowl of water and freeze it in the freezer. If you find something you want (same scenario as above) thaw out the card (if you still want it by then) and make your purchase. (two more – bear with me) 🙂 Wait 30 days to make the purchase. If you still want it in thirty days, and it hasn’t changed to another item you want, then go buy it. And last…da da du dant da dah…save the money and pay cash for it! It’s all a discipline. Cutting up the cards works for you. You GO girl!

    By the way, talk to me about this. I may be able to maximize your debt reduction solution by knowing which card and what strategy to use and pay off first.

  6. Mike

    Enjoy reading your blog.Btw, this is first time I visit to your blog 🙂

  7. Sarah

    What an inspiring story! The Lord has lead you to get rid of the credit card debt. That’s awesome! Brett and I have also struggled with all types of debt. Recently, God helped us to pay it off and now we’re debt free except our house. There is such peace that I feel now. The debt no longer is standing in the way of everything that God has for us. Keep me posted on your progress!

  8. Great article Kimberly.
    I can relate to your experience. I remember going to a credit counselor many years before things became desperate for us and thinking,” they want me to give up my cards, how will we live?”
    As I look back not I was very much like an alcoholic in denial and it wasn’t until I came to grips with the reality of what we were doing to our family could we make changes. As Tammy said, everyone doesn’t need to do the same but not all of us have strength to do it otherwise.

    • kimberlywenger

      Thanks for the comment, Fred. I would’ve approved it a long time ago, but for some reason it got marked as Spam. Sorry about that!

  9. Pingback: Boot Camp | Kimberly Wenger's Blog

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