January 19, 2018

Jesus and friends by Gary Rose


Within the picture is a very nice poem. It's description of a "Special Friend" is one of the best I've ever heard and worth remembering. During the course of my life, I have had all sorts of friends; acquaintances that became genuine friends, "phony friends", fair weather  friends, good friends, best buds and of course BFF's.

Beyond all these are my Christian friends. Some are closer than others, but we all have one thing in common- The love of Jesus our LORD. We do everything we can to follow Jesus and genuinely love one another as well. Although, some of us seem to do these things better than others; we all try.

Jesus has said:


 John, Chapter 15 (WEB)

 12  “This is my commandment, that you love one another, even as I have loved you.   13  Greater love has no one than this, that someone lay down his life for his friends.   14  You are my friends, if you do whatever I command you. (emphasis added, vss. 12-14)   15  No longer do I call you servants, for the servant doesn’t know what his lord does. But I have called you friends, for everything that I heard from my Father, I have made known to you.   16  You didn’t choose me, but I chose you and appointed you, that you should go and bear fruit, and that your fruit should remain; that whatever you will ask of the Father in my name, he may give it to you. 

  17  “I command these things to you, that you may love one another.   18  If the world hates you, you know that it has hated me before it hated you.   19  If you were of the world, the world would love its own. But because you are not of the world, since I chose you out of the world, therefore the world hates you.   20  Remember the word that I said to you: ‘A servant is not greater than his lord.’  If they persecuted me, they will also persecute you. If they kept my word, they will also keep yours.   21  But they will do all these things to you for my name’s sake, because they don’t know him who sent me.   22 If I had not come and spoken to them, they would not have had sin; but now they have no excuse for their sin.   23  He who hates me, hates my Father also.   24  If I hadn’t done among them the works which no one else did, they wouldn’t have had sin. But now they have seen and also hated both me and my Father.   25  But this happened so that the word may be fulfilled which was written in their law, ‘They hated me without a cause.’ 



Who are your friends? If, among them you can honestly say, Jesus and his friends- you will be blessed!!! The thing is... these special friendships will last for eternity. I wonder, what other friendships will last this long?

Just think about it, OK?

Bible Reading January 19-21 by Gary Rose

Bible Reading January 19-21 
(World English Bible)

Jan. 19
Genesis 19

Gen 19:1 The two angels came to Sodom at evening. Lot sat in the gate of Sodom. Lot saw them, and rose up to meet them. He bowed himself with his face to the earth,
Gen 19:2 and he said, "See now, my lords, please turn aside into your servant's house, stay all night, wash your feet, and you will rise up early, and go on your way." They said, "No, but we will stay in the street all night."
Gen 19:3 He urged them greatly, and they came in with him, and entered into his house. He made them a feast, and baked unleavened bread, and they ate.
Gen 19:4 But before they lay down, the men of the city, the men of Sodom, surrounded the house, both young and old, all the people from every quarter.
Gen 19:5 They called to Lot, and said to him, "Where are the men who came in to you this night? Bring them out to us, that we may have sex with them."
Gen 19:6 Lot went out to them to the door, and shut the door after him.
Gen 19:7 He said, "Please, my brothers, don't act so wickedly.
Gen 19:8 See now, I have two virgin daughters. Please let me bring them out to you, and you may do to them what seems good to you. Only don't do anything to these men, because they have come under the shadow of my roof."
Gen 19:9 They said, "Stand back!" Then they said, "This one fellow came in to live as a foreigner, and he appoints himself a judge. Now will we deal worse with you, than with them!" They pressed hard on the man Lot, and drew near to break the door.
Gen 19:10 But the men put forth their hand, and brought Lot into the house to them, and shut the door.
Gen 19:11 They struck the men who were at the door of the house with blindness, both small and great, so that they wearied themselves to find the door.
Gen 19:12 The men said to Lot, "Do you have anybody else here? Sons-in-law, your sons, your daughters, and whoever you have in the city, bring them out of the place:
Gen 19:13 for we will destroy this place, because the outcry against them has grown great before Yahweh that Yahweh has sent us to destroy it."
Gen 19:14 Lot went out, and spoke to his sons-in-law, who were pledged to marry his daughters, and said, "Get up! Get out of this place, for Yahweh will destroy the city." But he seemed to his sons-in-law to be joking.
Gen 19:15 When the morning came, then the angels hurried Lot, saying, "Get up! Take your wife, and your two daughters who are here, lest you be consumed in the iniquity of the city."
Gen 19:16 But he lingered; and the men grabbed his hand, his wife's hand, and his two daughters' hands, Yahweh being merciful to him; and they took him out, and set him outside of the city.
Gen 19:17 It came to pass, when they had taken them out, that he said, "Escape for your life! Don't look behind you, and don't stay anywhere in the plain. Escape to the mountains, lest you be consumed!"
Gen 19:18 Lot said to them, "Oh, not so, my lord.
Gen 19:19 See now, your servant has found favor in your sight, and you have magnified your loving kindness, which you have shown to me in saving my life. I can't escape to the mountain, lest evil overtake me, and I die.
Gen 19:20 See now, this city is near to flee to, and it is a little one. Oh let me escape there (isn't it a little one?), and my soul will live."
Gen 19:21 He said to him, "Behold, I have granted your request concerning this thing also, that I will not overthrow the city of which you have spoken.
Gen 19:22 Hurry, escape there, for I can't do anything until you get there." Therefore the name of the city was called Zoar.
Gen 19:23 The sun had risen on the earth when Lot came to Zoar.
Gen 19:24 Then Yahweh rained on Sodom and on Gomorrah sulfur and fire from Yahweh out of the sky.
Gen 19:25 He overthrew those cities, all the plain, all the inhabitants of the cities, and that which grew on the ground.
Gen 19:26 But his wife looked back from behind him, and she became a pillar of salt.
Gen 19:27 Abraham got up early in the morning to the place where he had stood before Yahweh.
Gen 19:28 He looked toward Sodom and Gomorrah, and toward all the land of the plain, and looked, and saw that the smoke of the land went up as the smoke of a furnace.
Gen 19:29 It happened, when God destroyed the cities of the plain, that God remembered Abraham, and sent Lot out of the middle of the overthrow, when he overthrew the cities in which Lot lived.
Gen 19:30 Lot went up out of Zoar, and lived in the mountain, and his two daughters with him; for he was afraid to live in Zoar. He lived in a cave with his two daughters.
Gen 19:31 The firstborn said to the younger, "Our father is old, and there is not a man in the earth to come in to us after the manner of all the earth.
Gen 19:32 Come, let's make our father drink wine, and we will lie with him, that we may preserve our father's seed."
Gen 19:33 They made their father drink wine that night: and the firstborn went in, and lay with her father. He didn't know when she lay down, nor when she arose.
Gen 19:34 It came to pass on the next day, that the firstborn said to the younger, "Behold, I lay last night with my father. Let us make him drink wine again, tonight. You go in, and lie with him, that we may preserve our father's seed."
Gen 19:35 They made their father drink wine that night also. The younger went and lay with him. He didn't know when she lay down, nor when she got up.
Gen 19:36 Thus both of Lot's daughters were with child by their father.
Gen 19:37 The firstborn bore a son, and named him Moab. He is the father of the Moabites to this day.
Gen 19:38 The younger also bore a son, and called his name Ben Ammi. He is the father of the children of Ammon to this day.

Jan. 20
Genesis 20

Gen 20:1 Abraham traveled from there toward the land of the South, and lived between Kadesh and Shur. He lived as a foreigner in Gerar.
Gen 20:2 Abraham said about Sarah his wife, "She is my sister." Abimelech king of Gerar sent, and took Sarah.
Gen 20:3 But God came to Abimelech in a dream of the night, and said to him, "Behold, you are a dead man, because of the woman whom you have taken. For she is a man's wife."
Gen 20:4 Now Abimelech had not come near her. He said, "Lord, will you kill even a righteous nation?
Gen 20:5 Didn't he tell me, 'She is my sister?' She, even she herself, said, 'He is my brother.' In the integrity of my heart and the innocence of my hands have I done this."
Gen 20:6 God said to him in the dream, "Yes, I know that in the integrity of your heart you have done this, and I also withheld you from sinning against me. Therefore I didn't allow you to touch her.
Gen 20:7 Now therefore, restore the man's wife. For he is a prophet, and he will pray for you, and you will live. If you don't restore her, know for sure that you will die, you, and all who are yours."
Gen 20:8 Abimelech rose early in the morning, and called all his servants, and told all these things in their ear. The men were very scared.
Gen 20:9 Then Abimelech called Abraham, and said to him, "What have you done to us? How have I sinned against you, that you have brought on me and on my kingdom a great sin? You have done deeds to me that ought not to be done!"
Gen 20:10 Abimelech said to Abraham, "What did you see, that you have done this thing?"
Gen 20:11 Abraham said, "Because I thought, 'Surely the fear of God is not in this place. They will kill me for my wife's sake.'
Gen 20:12 Besides, she is indeed my sister, the daughter of my father, but not the daughter of my mother; and she became my wife.
Gen 20:13 It happened, when God caused me to wander from my father's house, that I said to her, 'This is your kindness which you shall show to me. Everywhere that we go, say of me, "He is my brother." ' "
Gen 20:14 Abimelech took sheep and cattle, male servants and female servants, and gave them to Abraham, and restored Sarah, his wife, to him.
Gen 20:15 Abimelech said, "Behold, my land is before you. Dwell where it pleases you."
Gen 20:16 To Sarah he said, "Behold, I have given your brother a thousand pieces of silver. Behold, it is for you a covering of the eyes to all that are with you. In front of all you are vindicated."
Gen 20:17 Abraham prayed to God. God healed Abimelech, and his wife, and his female servants, and they bore children.
Gen 20:18 For Yahweh had closed up tight all the wombs of the house of Abimelech, because of Sarah, Abraham's wife.

Jan. 21
Genesis 21

Gen 21:1 Yahweh visited Sarah as he had said, and Yahweh did to Sarah as he had spoken.
Gen 21:2 Sarah conceived, and bore Abraham a son in his old age, at the set time of which God had spoken to him.
Gen 21:3 Abraham called his son who was born to him, whom Sarah bore to him, Isaac.
Gen 21:4 Abraham circumcised his son, Isaac, when he was eight days old, as God had commanded him.
Gen 21:5 Abraham was one hundred years old when his son, Isaac, was born to him.
Gen 21:6 Sarah said, "God has made me laugh. Everyone who hears will laugh with me."
Gen 21:7 She said, "Who would have said to Abraham, that Sarah would nurse children? For I have borne him a son in his old age."
Gen 21:8 The child grew, and was weaned. Abraham made a great feast on the day that Isaac was weaned.
Gen 21:9 Sarah saw the son of Hagar the Egyptian, whom she had borne to Abraham, mocking.
Gen 21:10 Therefore she said to Abraham, "Cast out this handmaid and her son! For the son of this handmaid will not be heir with my son, Isaac."
Gen 21:11 The thing was very grievous in Abraham's sight on account of his son.
Gen 21:12 God said to Abraham, "Don't let it be grievous in your sight because of the boy, and because of your handmaid. In all that Sarah says to you, listen to her voice. For from Isaac will your seed be called.
Gen 21:13 I will also make a nation of the son of the handmaid, because he is your seed."
Gen 21:14 Abraham rose up early in the morning, and took bread and a bottle of water, and gave it to Hagar, putting it on her shoulder; and gave her the child, and sent her away. She departed, and wandered in the wilderness of Beersheba.
Gen 21:15 The water in the bottle was spent, and she cast the child under one of the shrubs.
Gen 21:16 She went and sat down opposite him, a good way off, about a bow shot away. For she said, "Don't let me see the death of the child." She sat over against him, and lifted up her voice, and wept.
Gen 21:17 God heard the voice of the boy. The angel of God called to Hagar out of the sky, and said to her, "What ails you, Hagar? Don't be afraid. For God has heard the voice of the boy where he is.
Gen 21:18 Get up, lift up the boy, and hold him in your hand. For I will make him a great nation."
Gen 21:19 God opened her eyes, and she saw a well of water. She went, filled the bottle with water, and gave the boy drink.
Gen 21:20 God was with the boy, and he grew. He lived in the wilderness, and became, as he grew up, an archer.
Gen 21:21 He lived in the wilderness of Paran. His mother took a wife for him out of the land of Egypt.
Gen 21:22 It happened at that time, that Abimelech and Phicol the captain of his army spoke to Abraham, saying, "God is with you in all that you do.
Gen 21:23 Now, therefore, swear to me here by God that you will not deal falsely with me, nor with my son, nor with my son's son. But according to the kindness that I have done to you, you shall do to me, and to the land in which you have lived as a foreigner."
Gen 21:24 Abraham said, "I will swear."
Gen 21:25 Abraham complained to Abimelech because of a water well, which Abimelech's servants had violently taken away.
Gen 21:26 Abimelech said, "I don't know who has done this thing. Neither did you tell me, neither did I hear of it, until today."
Gen 21:27 Abraham took sheep and cattle, and gave them to Abimelech. Those two made a covenant.
Gen 21:28 Abraham set seven ewe lambs of the flock by themselves.
Gen 21:29 Abimelech said to Abraham, "What do these seven ewe lambs which you have set by themselves mean?"
Gen 21:30 He said, "You shall take these seven ewe lambs from my hand, that it may be a witness to me, that I have dug this well."
Gen 21:31 Therefore he called that place Beersheba, because they both swore there.
Gen 21:32 So they made a covenant at Beersheba. Abimelech rose up with Phicol, the captain of his army, and they returned into the land of the Philistines.
Gen 21:33 Abraham planted a tamarisk tree in Beersheba, and called there on the name of Yahweh, the Everlasting God.
Gen 21:34 Abraham lived as a foreigner in the land of the Philistines many days.


Jan. 19, 20
Matthew 10

Mat 10:1 He called to himself his twelve disciples, and gave them authority over unclean spirits, to cast them out, and to heal every disease and every sickness.
Mat 10:2 Now the names of the twelve apostles are these. The first, Simon, who is called Peter; Andrew, his brother; James the son of Zebedee; John, his brother;
Mat 10:3 Philip; Bartholomew; Thomas; Matthew the tax collector; James the son of Alphaeus; Lebbaeus, whose surname was Thaddaeus;
Mat 10:4 Simon the Canaanite; and Judas Iscariot, who also betrayed him.
Mat 10:5 Jesus sent these twelve out, and commanded them, saying, "Don't go among the Gentiles, and don't enter into any city of the Samaritans.
Mat 10:6 Rather, go to the lost sheep of the house of Israel.
Mat 10:7 As you go, preach, saying, 'The Kingdom of Heaven is at hand!'
Mat 10:8 Heal the sick, cleanse the lepers, and cast out demons. Freely you received, so freely give.
Mat 10:9 Don't take any gold, nor silver, nor brass in your money belts.
Mat 10:10 Take no bag for your journey, neither two coats, nor shoes, nor staff: for the laborer is worthy of his food.
Mat 10:11 Into whatever city or village you enter, find out who in it is worthy; and stay there until you go on.
Mat 10:12 As you enter into the household, greet it.
Mat 10:13 If the household is worthy, let your peace come on it, but if it isn't worthy, let your peace return to you.
Mat 10:14 Whoever doesn't receive you, nor hear your words, as you go out of that house or that city, shake off the dust from your feet.
Mat 10:15 Most certainly I tell you, it will be more tolerable for the land of Sodom and Gomorrah in the day of judgment than for that city.
Mat 10:16 "Behold, I send you out as sheep in the midst of wolves. Therefore be wise as serpents, and harmless as doves.
Mat 10:17 But beware of men: for they will deliver you up to councils, and in their synagogues they will scourge you.
Mat 10:18 Yes, and you will be brought before governors and kings for my sake, for a testimony to them and to the nations.
Mat 10:19 But when they deliver you up, don't be anxious how or what you will say, for it will be given you in that hour what you will say.
Mat 10:20 For it is not you who speak, but the Spirit of your Father who speaks in you.
Mat 10:21 "Brother will deliver up brother to death, and the father his child. Children will rise up against parents, and cause them to be put to death.
Mat 10:22 You will be hated by all men for my name's sake, but he who endures to the end will be saved.
Mat 10:23 But when they persecute you in this city, flee into the next, for most certainly I tell you, you will not have gone through the cities of Israel, until the Son of Man has come.
Mat 10:24 "A disciple is not above his teacher, nor a servant above his lord.
Mat 10:25 It is enough for the disciple that he be like his teacher, and the servant like his lord. If they have called the master of the house Beelzebul, how much more those of his household!
Mat 10:26 Therefore don't be afraid of them, for there is nothing covered that will not be revealed; and hidden that will not be known.
Mat 10:27 What I tell you in the darkness, speak in the light; and what you hear whispered in the ear, proclaim on the housetops.
Mat 10:28 Don't be afraid of those who kill the body, but are not able to kill the soul. Rather, fear him who is able to destroy both soul and body in Gehenna.
Mat 10:29 "Aren't two sparrows sold for an assarion coin? Not one of them falls on the ground apart from your Father's will,
Mat 10:30 but the very hairs of your head are all numbered.
Mat 10:31 Therefore don't be afraid. You are of more value than many sparrows.
Mat 10:32 Everyone therefore who confesses me before men, him I will also confess before my Father who is in heaven.
Mat 10:33 But whoever denies me before men, him I will also deny before my Father who is in heaven.
Mat 10:34 "Don't think that I came to send peace on the earth. I didn't come to send peace, but a sword.
Mat 10:35 For I came to set a man at odds against his father, and a daughter against her mother, and a daughter-in-law against her mother-in-law.
Mat 10:36 A man's foes will be those of his own household.
Mat 10:37 He who loves father or mother more than me is not worthy of me; and he who loves son or daughter more than me isn't worthy of me.
Mat 10:38 He who doesn't take his cross and follow after me, isn't worthy of me.
Mat 10:39 He who seeks his life will lose it; and he who loses his life for my sake will find it.
Mat 10:40 He who receives you receives me, and he who receives me receives him who sent me.
Mat 10:41 He who receives a prophet in the name of a prophet will receive a prophet's reward. He who receives a righteous man in the name of a righteous man will receive a righteous man's reward.
Mat 10:42 Whoever gives one of these little ones just a cup of cold water to drink in the name of a disciple, most certainly I tell you he will in no way lose his reward."


Jan. 21, 22
Matthew 11

Mat 11:1 It happened that when Jesus had finished directing his twelve disciples, he departed from there to teach and preach in their cities.
Mat 11:2 Now when John heard in the prison the works of Christ, he sent two of his disciples
Mat 11:3 and said to him, "Are you he who comes, or should we look for another?"
Mat 11:4 Jesus answered them, "Go and tell John the things which you hear and see:
Mat 11:5 the blind receive their sight, the lame walk, the lepers are cleansed, the deaf hear, the dead are raised up, and the poor have good news preached to them.
Mat 11:6 Blessed is he who finds no occasion for stumbling in me."
Mat 11:7 As these went their way, Jesus began to say to the multitudes concerning John, "What did you go out into the wilderness to see? A reed shaken by the wind?
Mat 11:8 But what did you go out to see? A man in soft clothing? Behold, those who wear soft clothing are in king's houses.
Mat 11:9 But why did you go out? To see a prophet? Yes, I tell you, and much more than a prophet.
Mat 11:10 For this is he, of whom it is written, 'Behold, I send my messenger before your face, who will prepare your way before you.'
Mat 11:11 Most certainly I tell you, among those who are born of women there has not arisen anyone greater than John the Baptizer; yet he who is least in the Kingdom of Heaven is greater than he.
Mat 11:12 From the days of John the Baptizer until now, the Kingdom of Heaven suffers violence, and the violent take it by force.
Mat 11:13 For all the prophets and the law prophesied until John.
Mat 11:14 If you are willing to receive it, this is Elijah, who is to come.
Mat 11:15 He who has ears to hear, let him hear.
Mat 11:16 "But to what shall I compare this generation? It is like children sitting in the marketplaces, who call to their companions
Mat 11:17 and say, 'We played the flute for you, and you didn't dance. We mourned for you, and you didn't lament.'
Mat 11:18 For John came neither eating nor drinking, and they say, 'He has a demon.'
Mat 11:19 The Son of Man came eating and drinking, and they say, 'Behold, a gluttonous man and a drunkard, a friend of tax collectors and sinners!' But wisdom is justified by her children."
Mat 11:20 Then he began to denounce the cities in which most of his mighty works had been done, because they didn't repent.
Mat 11:21 "Woe to you, Chorazin! Woe to you, Bethsaida! For if the mighty works had been done in Tyre and Sidon which were done in you, they would have repented long ago in sackcloth and ashes.
Mat 11:22 But I tell you, it will be more tolerable for Tyre and Sidon on the day of judgment than for you.
Mat 11:23 You, Capernaum, who are exalted to heaven, you will go down to Hades. For if the mighty works had been done in Sodom which were done in you, it would have remained until this day.
Mat 11:24 But I tell you that it will be more tolerable for the land of Sodom, on the day of judgment, than for you."
Mat 11:25 At that time, Jesus answered, "I thank you, Father, Lord of heaven and earth, that you hid these things from the wise and understanding, and revealed them to infants.
Mat 11:26 Yes, Father, for so it was well-pleasing in your sight.
Mat 11:27 All things have been delivered to me by my Father. No one knows the Son, except the Father; neither does anyone know the Father, except the Son, and he to whom the Son desires to reveal him.
Mat 11:28 "Come to me, all you who labor and are heavily burdened, and I will give you rest.
Mat 11:29 Take my yoke upon you, and learn from me, for I am gentle and lowly in heart; and you will find rest for your souls.
Mat 11:30 For my yoke is easy, and my burden is light." 

Owe no one anything except to love one another Romans 13:8 by Roy Davison

http://www.oldpaths.com/Archive/Davison/Roy/Allen/1940/025-owenooneanything.html


Owe no one anything except to love one another
Romans 13:8
We owe each other love for ever. But what about the first part: “Owe no one anything.”
This passage presents a problem for many. Some do not understand what it means and for everyone the application is sometimes difficult.
What are Biblical principles of dealing with money?
“Owe no one anything.” Does this mean that we may never commit ourselves financially? At Rome “Paul dwelt two whole years in his own rented house” (Acts 28:30). Thus he obviously had agreed to pay rent. Financial commitments are part of life. As long as we pay on time, we owe no one anything.
But what if we pile up commitments that are beyond our means? After a while we will no longer be able to pay.
Actually we are all stewards of other people’s money. Most of our income each month belongs to someone else. Part belongs to the government, and the State is smart enough to deduct its portion from our wages before we get them! If we rent a house, a portion belongs to our landlord. If we have loans, a part belongs to the bank. Our family needs food and clothing, so a part belongs to the shopkeepers. We need energy, so a part belongs to the utility companies. There is only a small amount left that we can spend any way we want. If we are not good stewards, we can easily misappropriate someone else’s money, and no longer be able to give them their due portion.
I knew a woman who opened a shop and went bankrupt in a few months because she thought she could freely spend everything that came into the cash register!
Also in money matters, the temptations of Satan must be resisted. Problems can be “love of money” (1 Timothy 6:10); “the lust of the flesh, the lust of the eyes, and the pride of life” (1 John 2:16); covetousness (Colossians 3:5); not paying your workers a fair wage (James 5:4); “the cares of this world, the deceitfulness of riches, and the desires for other things” (Mark 4:19). Materialism can cause us to get in debt and be unable to pay what we owe.
“Owe no one anything.” What are some dangers?
We are warned in Scripture about the danger of putting up security for someone else. “A man devoid of understanding shakes hands in a pledge, and becomes surety for his friend” (Proverbs 17:18). Why is this dangerous? If your friend can easily pay, he will have security of his own! If you decide to provide security anyway, keep in mind that you may have to pay the whole debt yourself! Thus, you must be able to do so without jeopardizing your own financial condition.
The principle behind this warning is that we must avoid excessive debts. If we allow ourselves to become insolvent, there is a great danger that we will not be able to pay what we owe. Being solvent means that we can pay all we owe by selling things we own.
Does the command, “Owe no one anything,” mean that we may not borrow? Borrowing is not forbidden in Scripture, but it is viewed as something negative, which of course it is. A loan is negative money.
When the Lord promised to bless Israel if they remained faithful, He said: “For the LORD your God will bless you just as He promised you; you shall lend to many nations, but you shall not borrow” (Deuteronomy 15:6). The one who lends has power over the one who borrows: “The rich rules over the poor, and the borrower is servant to the lender” (Proverbs 22:7).
Yet, borrowing is sometimes needful. In the next two verses in Deuteronomy we read: “If there is among you a poor man of your brethren, within any of the gates in your land which the LORD your God is giving you, you shall not harden your heart nor shut your hand from your poor brother, but you shall open your hand wide to him and willingly lend him sufficient for his need, whatever he needs” (Deuteronomy 15:7, 8). Thus, it is not wrong to borrow for things we really need, on condition that we will be able to pay it back.
It is wrong not to repay: “The wicked borrows and does not repay, but the righteous shows mercy and gives” (Psalm 37:21).
Thus, to obey the command, “Owe no one anything,” we must be careful not to borrow more than we can repay. When we have a loan, we do not owe until payment is due. If we repay the loan at the agreed time, we do not owe anything.
A loan should be covered in some way. If because of unexpected circumstances, for example, you are not able to make your car payments, you should be able to repay the loan by selling the car.
Insurance can also be part of the coverage. I know someone who had to pay off a loan for five years on a car that no longer existed because it caught fire while he was driving and was not insured. And, he was an insurance salesman!
The same applies to the purchase of a house with a mortgage. If you cannot make your house payments, you should be able to pay off the loan by selling the house.
It is not sufficient, however, that the principal is covered by a countervalue, the repayments must also be within our means.
Many get in trouble at this point. In our society it is easy to borrow more than we can repay. Since we can get something on credit, we may be tempted to buy a more expensive house or automobile than we can afford.
Why is it so easy to get credit? Because those who offer us credit want to make money off of us even if it is to our financial disadvantage.
In my pocket I have something that is extremely dangerous: a credit card. First, one must understand that a credit card is NOT MONEY. With it you only promise to pay money.
It is dangerous because it enables you to promise to pay more than you can afford. You can make purchases with money you do not have. You can go to the airport and get a ticket to fly halfway around the world and back, even if you do not have the money.
A credit card can be valuable for one month’s credit. If you pay your credit card bill completely every month, no interest is charged!
If you do not pay it off every month, the interest charged is exorbitant, and you can easily build up a debt that you are no longer able to repay. It can become a form of debt bondage. You owe your soul, not to the company store, but to the credit card company.
This is how it works: One month you use your card to buy more than you can afford. So, at the end of the month you are not able to pay the whole amount. Or if you do, you do not have enough money for the next month’s expenses. So now you areforced to use your credit card because your money is gone. And if you buy more on your card than you can afford again (it is so easy to do), your negative balance grows even larger. Your debt snowballs because each month you must pay high interest on your growing debt.
When you go shopping with a credit card there is no hard limit to what you can spend.
Credit card companies set a high maximum credit to lure the card user into deeper debt, which results in more profit for them. They also make it easy for you not to pay off your debt by setting a low minimum payment each month. After all, they collect high interest on what you do not pay!
Credit card debt is a major cause of personal bankruptcy.
A survey by the US Department of Justice in 2000 determined that in 74% of personal bankruptcy cases, credit card debt played a significant role, and that 42% of bankruptcies involved credit card debts of $10,000. to $50,000, 7% involved credit card debts of more than $50,000 and 3% involved credit card debts of more than $75,000. Those with high credit card debts usually had several credit cards they obtained through the aggressive marketing of credit card companies.
Someone who uses more credit than he can repay, is not obeying the command: “Owe no one anything.”
To obey God in this, our expenditures must be less than our income. It is that simple. If we spend even a little more than we earn each month, we will go deeper and deeper into debt. The first rule if you find yourself in a hole is to stop digging! The hole must be filled up!
If you have become a victim of credit mongers and you find yourself in a seemingly hopeless situation, ask for advice, possibly from someone in the church or from a free independent family finance counseling service. But beware of loan sharks who profile themselves as debt advisors! Someone who wants to loan you money is not the best source of advice.
Christians must pay their taxes: “For because of this you also pay taxes, for they are God's ministers attending continually to this very thing. Render therefore to all their due: taxes to whom taxes are due, customs to whom customs, fear to whom fear, honor to whom honor” (Romans 13:6, 7).
Christians are to give as we have been prospered (1 Corinthians 16:2) and as we have purposed in our hearts (2 Corinthians 9:7). This is possible only if we do some planning.
To obey the command to owe no one anything, we must also save for extraordinary expenditures. Even under normal circumstances, there are certain times of the year and certain occasions in life, when expenses are higher than otherwise. This requires saving, which means that our regular expenses must be less than our income. During lean years it is not possible to save. And most of us have experienced such times. But when things go better, it is wise to put something aside.
“There is desirable treasure, and oil in the dwelling of the wise, but a foolish man squanders it” (Proverbs 21:20). Remember the prodigal son? ‘Prodigal’ means wasteful. He wasted his whole inheritance. He repented and returned to his father, but his inheritance was gone.
So far, we have spoken mainly about frugality so we can obey the command, “Owe no one anything”. But frugality does not help if we have no income!
The world does not owe us a living. We must work to pay our own way. “But we urge you, brethren, that you increase more and more; that you also aspire to lead a quiet life, to mind your own business, and to work with your own hands, as we commanded you, that you may walk properly toward those who are outside, and that you may lack nothing” (1 Thessalonians 4:10-12). We are to work, not only to provide for our own needs, but also that we “may have something to give him who has need” (Ephesians 4:28).
Paul also wrote: “But we command you, brethren, in the name of our Lord Jesus Christ, that you withdraw from every brother who walks disorderly and not according to the tradition which he received from us. For you yourselves know how you ought to follow us, for we were not disorderly among you; nor did we eat anyone's bread free of charge, but worked with labor and toil night and day, that we might not be a burden to any of you, not because we do not have authority, but to make ourselves an example of how you should follow us. For even when we were with you, we commanded you this: If anyone will not work, neither shall he eat. For we hear that there are some who walk among you in a disorderly manner, not working at all, but are busybodies. Now those who are such we command and exhort through our Lord Jesus Christ that they work in quietness and eat their own bread” (2 Thessalonians 3:6-12).
A brother who is unemployed asked me about this passage recently. I pointed out to him that it does not say, “If anyone is out of work”, but “If anyone will not work.”
Circumstances can vary, but in the first instance it is the man’s responsibility to provide bread for his family “in toil” and “in the sweat” of his face (Genesis 3:17-19). Women are to be “homemakers” (Titus 2:5; See also 1 Timothy 5:14).
Jesus promised that God will provide for our needs if we “seek first the kingdom of God and His righteousness” (Matthew 6:33).
Let us pray and work for our daily bread that our needs might be provided and we might have extra to give to the Lord and to share with the needy. Let us be careful to “Owe no one anything except to love one another” (Romans 13:8). Amen.
Roy Davison
The Scripture quotations in this article are from
The New King James Version. ©1979,1980,1982, Thomas Nelson Inc., Publishers.
Permission for reference use has been granted.

Published in The Old Paths Archive
(http://www.oldpaths.com)