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fear debt

Do you have a debt problem that’s keeping you in fear, stressing you out, and keeping you from moving forward in life?

Even a small amount of debt can tie your stomach in knots and continually eat at your subconscious.  But if you have a lot of debt it can mess with your emotions in a major way.  It will strike fear in you that will change the way you look at life, making you feel constantly stressed and even depressed.

That fear can cause all kinds of thoughts to run through your head.  You ask yourself “How did I get myself into this mess?  I’ll never be able to dig myself out of this hole!”

You feel hopeless, you can’t sleep, you see no end in sight.

That’s the enemy getting into your head and your spirit, stealing your hope and keeping you in bondage.

I know because I’ve been there.

Paralyzed with fear because you’re in debt? Here is what you can do about it


Fear and Debt Can Be Overcome

fear debtSo what can you do to overcome that gnawing fear that comes with being deep in debt?

First, you should realize just what fear is.  Fear, when it comes down to it, is a lack of hope.  It’s letting the “what if’s” overtake you to the point that you are ruled by them.  I’ve even heard some people call fear and worry “temporary atheism“.

I think that’s a very accurate description.

But if you’re a person of faith, one thing you should remember is that there is always hope when you trust God with your situation.

So if you’re deep in debt and the fear has kicked into high gear, how do you get past it?  What do you need to do to have peace instead of fear, freedom instead of bondage?


Recognize, Realize, and Understand Fear

There are three things you can do to get started:

  • Recognize that fear is a choice, it’s your perception and your reaction to the circumstances that you’re in.
  • Realize that you are in control of how you perceive and react to what’s going on in your life and that you have the power to change that.
  • Understand that fear is not what God wants for your life.  Fear is from the enemy, and the debt that’s at the root of that fear is something that you need to deal with through taking action.

But what actions do you need to take to make fear take a hike?  There are two.  Let me lay it down for you:

  • Spiritual Action–  Start getting rid of the fear by concentrating on the spiritual.  Since fear is a lack of hope, then trusting in God to see you through your circumstance is the best way to restore your hope.  Having God on your side will always serve to increase hope and decrease fear.

It’s not rocket science.  However, it does take a little work.

But the cool thing is that the more concrete actions you take toward getting out of debt, it will also have the result of eliminating the fear and stress that come along with it.

When you have a plan written on paper, its proof  right in front of your eyes that you actually can get out of debt.

When you work that plan and start seeing results, fear is on the run!

There’s nothing like action and results to get fear out of your life for good!

Have you had to deal with fear and stress because of debt?

Tell me about it by leaving a comment.


Help With Fear and Debt

If you’re struggling with debt and fear, help is available.

You can contact me at any time and I’m always willing to help with advice or encouragement.

Just feel free to email me and ask me anything about your finances.

You can also check out my Celebrating Financial Freedom “get out of debt” course.  It’s now available in a new online video format!  You can learn more and watch the introductory video here on the course home page.



More Posts on Debt

Firewalk Your Dreams

Have You Become a Temporary Atheist?

Is Your Incentive Greater Than Your Pain?

How to Get Out of Debt (Part 1)- Get Mad and Naked

How to Get Out of Debt (Part 4)- The Debt Rocket

Ready to Get Serious About Getting Out of Debt?

Celebrating Financial Freedom Online Get Out of Debt CourseIf you’re seriously considering changing your financial life by getting out of debt, then you have to check out my free mini-course that will get you started on the right track.  It’s a shorter email version of my popular online get out of debt course.

In this 6 day mini-course, I’ll reveal the steps that my wife Angie and I took to stop struggling with money, get out of debt, and pay cash for things like cars and college tuition!  Best of all, it’s absolutely free!

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