Proverbs 22:7 7 The rich ruleth over the poor; And the borrower is servant to the lender.

Personal debt has skyrocketed in Western culture. Easy credit, a desire for material goods, and an unwillingness to save and wait have led many people down the path of financial bondage. The Bible doesn’t forbid borrowing, but it clearly warns us of its negative consequences. Our verse today describes the borrower as the lender’s slave.

Every dollar borrowed costs you a measure of freedom. It means your paycheck is no longer entirely yours, since a part of it must be set aside to repay your creditor. As the interest adds up, the financial burden may necessitate working longer hours. The obligation to repay debt oftentimes hinders the ability to give to the Lord’s work or help people in need. Instead of getting the firstfruits, God gets leftovers or nothing at all.

The consequences of accumulating debt reach beyond monetary issues. The burden of mounting bills creates emotional and relational stress. In fact, financial problems are one of the leading causes of divorce. Even our relationship with the Lord is affected when we let our appetite for the world’s goods override our obedience to His voice. Although God promises to supply our needs, how often do we jump ahead of Him and provide for ourselves with easy payment plans?

The next time you are tempted to charge a purchase that you really can’t afford, stop! Go home and ask the Lord if He wants you to have it. If He does, ask Him to provide it. Then wait. True freedom comes to those who rely on the Lord’s provision instead of their credit cards.

Bible in One Year: Judges 10-12 Chapter 10 1 And after Abimelech there arose to save Israel Tola the son of Puah, the son of Dodo, a man of Issachar; and he dwelt in Shamir in the hill-country of Ephraim. 2 And he judged Israel twenty and three years, and died, and was buried in Shamir. 3 And after him arose Jair, the Gileadite; and he judged Israel twenty and two years. 4 And he had thirty sons that rode on thirty ass colts, and they had thirty cities, which are called Havvoth-jair unto this day, which are in the land of Gilead. 5 And Jair died, and was buried in Kamon. 6 And the children of Israel again did that which was evil in the sight of Jehovah, and served the Baalim, and the Ashtaroth, and the gods of Syria, and the gods of Sidon, and the gods of Moab, and the gods of the children of Ammon, and the gods of the Philistines; and they forsook Jehovah, and served him not. 7 And the anger of Jehovah was kindled against Israel, and he sold them into the hand of the Philistines, and into the hand of the children of Ammon. 8 And they vexed and oppressed the children of Israel that year: eighteen years `oppressed they' all the children of Israel that were beyond the Jordan in the land of the Amorites, which is in Gilead. 9 And the children of Ammon passed over the Jordan to fight also against Judah, and against Benjamin, and against the house of Ephraim; so that Israel was sore distressed. 10 And the children of Israel cried unto Jehovah, saying, We have sinned against thee, even because we have forsaken our God, and have served the Baalim. 11 And Jehovah said unto the children of Israel, `Did' not `I save you' from the Egyptians, and from the Amorites, from the children of Ammon, and from the Philistines? 12 The Sidonians also, and the Amalekites, and the Maonites, did oppress you; and ye cried unto me, and I saved you out of their hand. 13 Yet ye have forsaken me, and served other gods: wherefore I will save you no more. 14 Go and cry unto the gods which ye have chosen; let them save you in the time of your distress. 15 And the children of Israel said unto Jehovah, We have sinned: do thou unto us whatsoever seemeth good unto thee; only deliver us, we pray thee, this day. 16 And they put away the foreign gods from among them, and served Jehovah; and his soul was grieved for the misery of Israel. 17 Then the children of Ammon were gathered together, and encamped in Gilead. And the children of Israel assembled themselves together, and encamped in Mizpah. 18 And the people, the princes of Gilead, said one to another, What man is he that will begin to fight against the children of Ammon? he shall be head over all the inhabitants of Gilead. Chapter 11 1 Now Jephthah the Gileadite was a mighty man of valor, and he was the son of a harlot: and Gilead begat Jephthah. 2 And Gilead's wife bare him sons; and when his wife's sons grew up, they drove out Jephthah, and said unto him, Thou shalt not inherit in our father's house; for thou art the son of another woman. 3 Then Jephthah fled from his brethren, and dwelt in the land of Tob: and there were gathered vain fellows to Jephthah, and they went out with him. 4 And it came to pass after a while, that the children of Ammon made war against Israel. 5 And it was so, that, when the children of Ammon made war against Israel, the elders of Gilead went to fetch Jephthah out of the land of Tob; 6 and they said unto Jephthah, Come and be our chief, that we may fight with the children of Ammon. 7 And Jephthah said unto the elders of Gilead, Did not ye hate me, and drive me out of my father's house? and why are ye come unto me now when ye are in distress? 8 And the elders of Gilead said unto Jephthah, Therefore are we turned again to thee now, that thou mayest go with us, and fight with the children of Ammon; and thou shalt be our head over all the inhabitants of Gilead. 9 And Jephthah said unto the elders of Gilead, If ye bring me home again to fight with the children of Ammon, and Jehovah deliver them before me, shall I be your head? 10 And the elders of Gilead said unto Jephthah, Jehovah shall be witness between us; surely according to thy word so will we do. 11 Then Jephthah went with the elders of Gilead, and the people made him head and chief over them: and Jephthah spake all his words before Jehovah in Mizpah. 12 And Jephthah sent messengers unto the king of the children of Ammon, saying, What hast thou to do with me, that thou art come unto me to fight against my land? 13 And the king of the children of Ammon answered unto the messengers of Jephthah, Because Israel took away my land, when he came up out of Egypt, from the Arnon even unto the Jabbok, and unto the Jordan: now therefore restore those `lands' again peaceably. 14 And Jephthah sent messengers again unto the king of the children of Ammon; 15 and he said unto him, Thus saith Jephthah: Israel took not away the land of Moab, nor the land of the children of Ammon, 16 but when they came up from Egypt, and Israel went through the wilderness unto the Red Sea, and came to Kadesh; 17 then Israel sent messengers unto the king of Edom, saying, Let me, I pray thee, pass through thy land; but the king of Edom hearkened not. And in like manner he sent unto the king of Moab; but he would not: and Israel abode in Kadesh. 18 Then they went through the wilderness, and went around the land of Edom, and the land of Moab, and came by the east side of the land of Moab, and they encamped on the other side of the Arnon; but they came not within the border of Moab, for the Arnon was the border of Moab. 19 And Israel sent messengers unto Sihon king of the Amorites, the king of Heshbon; and Israel said unto him, Let us pass, we pray thee, through thy land unto my place. 20 But Sihon trusted not Israel to pass through his border; but Sihon gathered all his people together, and encamped in Jahaz, and fought against Israel. 21 And Jehovah, the God of Israel, delivered Sihon and all his people into the hand of Israel, and they smote them: so Israel possessed all the land of the Amorites, the inhabitants of that country. 22 And they possessed all the border of the Amorites, from the Arnon even unto the Jabbok, and from the wilderness even unto the Jordan. 23 So now Jehovah, the God of Israel, hath dispossessed the Amorites from before his people Israel, and shouldest thou possess them? 24 Wilt not thou possess that which Chemosh thy god giveth thee to possess? So whomsoever Jehovah our God hath dispossessed from before us, them will we possess. 25 And now art thou anything better than Balak the son of Zippor, king of Moab? did he ever strive against Israel, or did he ever fight against them? 26 While Israel dwelt in Heshbon and its towns, and in Aroer and its towns, and in all the cities that are along by the side of the Arnon, three hundred years; wherefore did ye not recover them within that time? 27 I therefore have not sinned against thee, but thou doest me wrong to war against me: Jehovah, the Judge, be judge this day between the children of Israel and the children of Ammon. 28 Howbeit the king of the children of Ammon hearkened not unto the words of Jephthah which he sent him. 29 Then the Spirit of Jehovah came upon Jephthah, and he passed over Gilead and Manasseh, and passed over Mizpeh of Gilead, and from Mizpeh of Gilead he passed over unto the children of Ammon. 30 And Jephthah vowed a vow unto Jehovah, and said, If thou wilt indeed deliver the children of Ammon into my hand, 31 then it shall be, that whatsoever cometh forth from the doors of my house to meet me, when I return in peace from the children of Ammon, it shall be Jehovah's, and I will offer it up for a burnt-offering. 32 So Jephthah passed over unto the children of Ammon to fight against them; and Jehovah delivered them into his hand. 33 And he smote them from Aroer until thou come to Minnith, even twenty cities, and unto Abelcheramim, with a very great slaughter. So the children of Ammon were subdued before the children of Israel. 34 And Jephthah came to Mizpah unto his house; and, behold, his daughter came out to meet him with timbrels and with dances: and she was his only child; besides her he had neither son nor daughter. 35 And it came to pass, when he saw her, that he rent his clothes, and said, Alas, my daughter! thou hast brought me very low, and thou art one of them that trouble me; for I have opened my mouth unto Jehovah, and I cannot go back. 36 And she said unto him, My father, thou hast opened thy mouth unto Jehovah; do unto me according to that which hath proceeded out of thy mouth, forasmuch as Jehovah hath taken vengeance for thee on thine enemies, even on the children of Ammon. 37 And she said unto her father, Let this thing be done for me: let me alone two months, that I may depart and go down upon the mountains, and bewail my virginity, I and my companions. 38 And he said, Go. And he sent her away for two months: and she departed, she and her companions, and bewailed her virginity upon the mountains. 39 And it came to pass at the end of two months, that she returned unto her father, who did with her according to his vow which he had vowed: and she knew not man. And it was a custom in Israel, 40 that the daughters of Israel went yearly to celebrate the daughter of Jephthah the Gileadite four days in a year. Chapter 12 1 And the men of Ephraim were gathered together, and passed northward; and they said unto Jephthah, Wherefore passedst thou over to fight against the children of Ammon, and didst not call us to go with thee? we will burn thy house upon thee with fire. 2 And Jephthah said unto them, I and my people were at great strife with the children of Ammon; and when I called you, ye saved me not out of their hand. 3 And when I saw that ye saved me not, I put my life in my hand, and passed over against the children of Ammon, and Jehovah delivered them into my hand: wherefore then are ye come up unto me this day, to fight against me? 4 Then Jephthah gathered together all the men of Gilead, and fought with Ephraim; and the men of Gilead smote Ephraim, because they said, Ye are fugitives of Ephraim, ye Gileadites, in the midst of Ephraim, `and' in the midst of Manasseh. 5 And the Gileadites took the fords of the Jordan against the Ephraimites. And it was so, that, when `any of' the fugitives of Ephraim said, Let me go over, the men of Gilead said unto him, Art thou an Ephraimite? If he said, Nay; 6 then said they unto him, Say now Shibboleth; and he said Sibboleth; for he could not frame to pronounce it right: then they laid hold on him, and slew him at the fords of the Jordan. And there fell at that time of Ephraim forty and two thousand. 7 And Jephthah judged Israel six years. Then died Jephthah the Gileadite, and was buried in `one of' the cities of Gilead. 8 And after him Ibzan of Beth-lehem judged Israel. 9 And he had thirty sons; and thirty daughters he sent abroad, and thirty daughters he brought in from abroad for his sons. And he judged Israel seven years. 10 And Ibzan died, and was buried at Beth-lehem. 11 And after him Elon the Zebulunite judged Israel; and he judged Israel ten years. 12 And Elon the Zebulunite died, and was buried in Aijalon in the land of Zebulun. 13 And after him Abdon the son of Hillel the Pirathonite judged Israel. 14 And he had forty sons and thirty sons' sons, that rode on threescore and ten ass colts: and he judged Israel eight years. 15 And Abdon the son of Hillel the Pirathonite died, and was buried in Pirathon in the land of Ephraim, in the hill-country of the Amalekites.