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If you are having financial difficulty, here are the things you need to do.

You need to understand what God wants. You need to have a desire to achieve what He wants. You need to be prepared to make changes, so you can achieve what you desire. You cannot keep doing the same things over and over, and really expect a different outcome. There needs to be real and positive changes.

You need to do a Cash Flow Analysis to see where you really are. Many people have no idea where they are as far as Cash Flow. Here is an example:

  1. If you make a Credit Card Payment with a different Credit Card, you have cash Flow problems.
  2. If you skip one monthly payment so you can make another monthly payment, you have Cash Flow problems.

Negative Cash Flow means you do not have enough income to pay for the expenses you have, and you are therefore falling further and further behind.

Positive Cash Flow means you are paying all your expenses, and still have money left over. This is good. Sometimes, even these people can’t say for sure how much Positive Cash Flow they have.

You need to have an accurate picture of where you are financially, before you can initiate any meaningful change that will bring about an improved outcome.

If you are on the edge financially, just barely making it, then you need to set up a monthly budget that you update each month to see the activity of your money. You need to know when you are making progress, and when you aren’t. You can make more informed decisions if you know where you are.

If you aren’t already, you need to have a goal about giving to God.

If you are in Negative Cash Flow, you need to make the necessary changes to balance the books. You aren’t being honest if you can’t balance the books, yet you are spending $50 or $100 a month at Tim Hortons. There are some hard decisions to be made.

Now about Tithing and Debt, there are two schools of thought. I won’t tell you which one to embrace, but I will explain both to you.

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