| Issue or Decision | Faith | Wisdom | Foolish Faith & Logic |
| Facing Foreclosure | Trust in God & His Promises that he will see you through this situation. That no matter how difficult the situation is or how you see it, keep your eyes upon Jesus and walk on water. Bring the matter to the Church & the Saints who are faithful prayer intercessors. "He will restore all that the enemy has stolen." | Trust God to direct you to the proper Finance Co./Lender to refinance to lower mortgage payments, to borrow money wisely. Or to the right Real Estate Broker to List & Sell home. Rent home to good Renters. Sell part of your Equity to a financially stable Partner who can bring you current. Obtain Job(s) to be able to pay mortgage & arrearage. | Do nothing, while clinging to the belief that God will "miraculously bail you out," & so you hang on until the Sheriff evicts you. |
| Financial Crisis (Already in) | Trust God to help you to walk on water. "He brought them forth out of Egypt with silver and gold." "The wealth of the sinner is laid up for the just." | Cut up Credit Cards, close accounts. Borrow from a trustworthy friends or family member; pay them back. If you have a liquid asset - sell it and pay off as much debt as you can. Sell home & pay off all your bills. Talk to a good Financial Counselor. Take a second Job. Go to a Credit Debt Counselor. Last of all, if must, seek Bankruptcy protection if all else fails. | Ask God to help you float on air. Panic, run from your Creditors. Hide. Go into denial. Don't answer the phone. Change your ph. no. Disconnect it. (probably disconnected already due to non-payment.) Deny you have a problem. Be embarrassed and don't talk to anyone. |
| Selling Your Home | Trust God that he will send you the Buyer who will pay you what is just & fair. "All that you set your hand to do will prosper." | Do your real estate homework & value research. Prepare your home for presentation. | Overprice your house (you think it looks like a Mansion. The Buyer sees it as a Sugar Shack) |
| Avoiding a Financial Crisis | Trust God he will direct your paths and help you to avoid Temptation (credit cards). Deuteronomy, "Obey his Commandments." Proverbs,"A wise man looks to his goings, sees the evil ahead, and turns away from it." Hindsight is clearer than foresight, but foresight is better. | Cut up all the credit cards. Get a Debit Card. Pay Cash for every purchase. Curtail Spending. Get a second job, save the money, invest some of it. Save enough money to carry you through hard times, at least 5-10 months of expenses or more (the more the merrier). | Get more credit cards to pay off credit cards. Get a 2nd or 3rd or 4th to pay off credit cards & fail to cut up and close out the credit card accounts. Refuse to sell the house, when that is what it will take to save you. Refuse to give up the fancy car, boat, 2nd home, vacation rental, etc... |
| Changing Jobs | Trust God to guide you to the right Employer. "God said to Abraham, Get you up to a country that I will show you." | Prepare and send out Resumes. Talk to people in the field you want to enter. Consider all of the advantages & disadvantges; pros & cons. Consult with your Wife & family, if married and have children. Consider the area you are considering. Consider pension, health & medical benefits & long range salary raises. | Quit arbitrarily before securing another job. Look only at the money offer to the exclusion of everything else. Don't do what is in the wisdom box. Don't check out the area, housing prices, schools, neighborhood, crime stats, etc.... Don't thoroughly check out the offer. |
| Boy/Girlfriends | Trust God. He choose 12 after praying all night up on a moutain alone. | Obey your parents. Consult with your Father, Mother, Grandparents, & Siblings & Pastor; last of all friends. Check him out before you accept a date. | Fall in love with this guy cause he's cute, has a nice car, fast car or dresses cool. Or cause he's a prize & all the other chics in school are after him. Believe him wholeheartedly when he says he doesn't just want to get into your pants, because "he loves you." |
| Engagements & Marriage | Trust God to lead you to someone or to lead someone to you; or to lead you to each other. God said, "It is not good for man(or woman) to be alone, I will go down and make a spouse for him/her." | Take marriage classes at a Bible College, College, or Church. Read a lot of good marriage books. Consult with your Father, Mother, Grandparents, & Siblings & Pastor; last of all friends. | Refuse to listen to any one & Run off to Vegas, Reno or Tahoe at the drop of a pin to get married. Don't get any background information of this person. Hop in bed and believe you're now in love. Refuse to believe anyone's telling you the truth that this guy or gal is a jerk or airhead and no good for you; that they are only trying to get in the way between both of you and interfere with your "true" love. |
| Friends | Trust God to bring into your life "real" friends. He is a friend that sticks closer than a brother. | Obey your parents. Consult with your Father, Mother, Grandparents, & Siblings & Pastor; last of all friends. Check him out before you accept him/her as a friend. Friendships are few & far between. King David & Saul's Son, Jonathan were the tightest of friends. | Accept any person who comes along as being your friend. Even, if they leach off of you, make you take the rap, steal, rob, theive, lie, cheat, get into trouble or get you into trouble, lead you astray or tempt & dare you to violate family values & principles and/or the law. Call anyone a friend. |
| Seeking Employment | Trust God to lead you to the right company. He will open doors of opportunity to you. | Taking courses/classes in this field. Read up on this industry & field. Learn the lingo. Talk with people who work in the Industry. Ask plenty of questions. Consult with a Career Counselor. Check the Industry out on the Internet, Local Public Library. Pass out Resumes; fill out applications. | Sit back do nothing. |
| Laid Off | Trust God to guide you to the right job. He has promised to bless the work of your hands. | Immediately apply for unemployment. If you have savings, pay down some debt or pay it off. Prepare Resume, immediately send it out. Use the Internet to search for jobs. Talk to friends & family about possible job opportunities. Don't live off of credit cards. | Don't tell anyone you have been laid off. Procrastinate. Cry. Moan, groan. Don't apply for unemployment cause you're too embarassed or too proud. Immediately borrow against your Pension, 401K or Keough Plan. |
| Divorce | Trust God to see you through this dark period of life. | Seek Counseling; with your Pastor, or Professional Help. Pray, fast, & seek reconciliation, if possible. | |
| Death of A Spouse | Trust God to see you through this valley. Place your eyes upon the Giver of Life. Trust in he who has conquered death. He is the Resurrection & the Life. | Open your life upto loved ones and dear ones around you. Seek professional assistance or help. Allow the faithful & helpful to assist you. Become active in good healthful fun activities. Be conscious of death and its terrible effects on your personal life, but don't let it govern your life. | Close off. Go into denial. Fall into depression. Lose it. Throw your life away. |
| Drug/Alcoholic Addiction | Look to God for deliverance. | Seek Professional help & assistance. Talk to your Minister. Seek Counseling. | Deny you have problem. Don't care. Waste your money away on pills, powders, destructive chemicals, & liquour. |
| Pre-marital Sex | Seek God's strength to resist temptation & to understand how God created the body for this pleasure & the best way to use this "gift," in marriage. | Resist temptation. Avoid situations that sexually stimulate you on a date. It is better to marry (only if you are mature(old) enough) than to burn (with lust). Simply abstain until marriage. | Go ahead give in. Just be sure to use those bothersome condoms, which spoil the "love" act. You can always get an abortion anyways, if anything goes wrong. Anyway, she's the one that should use protection. She should be taking birth control pills or something, right? |
| Abortion | Seek God's Word - The Giver of Life regarding life."He said unto the young girl lying there dead, "Daughter, I say unto thee arise & live." | Read God's Word. Refuse to participate in the culling & genocide of future generations. | Go ahead it ain't a human life or being yet, until Congress says it is or the Supreme Court rules it is or ain't. Besides, an unwanted child will cramp your free lifestyle and strap you down with unwanted financial burden. |
| Incurring More Debt/Buy @ House/Buy @ Car etc... | Seek God regarding owning things & the best way how to go about it. "Owe no man anything." | Determine whether this is a real need or just a want. Can you live without it? Can you afford it? Will you still be able to meet all of your existing financial obligations, including tithes & offerings to the Church & Charities? | Ah, go ahead! You deserve it. Don't worry 'bout the payments or interest. This is your last chance! Only one left! Buy on the spur of the moment. Make rash decisions based on emotions. It hurts to have to think something thru to its end results or consequences. Don't give thought to impacts, ramifications, or effects. |
| Credit (Credit Cards, 2nd's, 3rd's, Finance Co's, etc...) | Seek God to supply all your needs & to give you your wants & the desires of your heart. "But my God shall supply all of your needs." "He will withhold no good thing from them that walk uprightly before him." | Read the Bible God's word - all about money. Listen to Larry Burkett. Read his books. Avoid paying high interest credit cards, loans etc.. Pay off your balance every month. Avoid carrying over a balance. Consolidate your debt. Get a 2nd Mortgage and pay off credit cards. Cut up & destroy your credit cards. Carry only one & a Debit card. Live within your means. Don't overspend & try to make it up on the next check. Quit robbing Peter to pay Paul. Peter is getting tired of it and is going to report you to the Police! Paul doesn't want to go to jail either for receiving stolen goods! | Rob Peter to pay Paul. Get as many credit cards as possible. They make a great collection. Pay one off with the new one. Don't close the accounts of the old ones. Borrow yourself into debt. Get high interest loans, cause you can't get low interest loans. Make interest only payments. Refuse to quit borrowing. |
| Gambling | Trust God for things everyday. "Why do you worry & say we have no bread?" "Lay up for yourselves treasures in heaven, where moth nor rust doth consume, neither does thieves break in & steal." | Work wisely, invest your money wisely. Open a business; buy a 2nd or 3rd rental home; invest cautiously in the stock market or some other weathered investment vehicle that has been time proven for long-term growth. | Take that big chance. Double or nothing. Make it big fast, so you won't have to work and you can impress your friends & family. |
| Sickness, Illness, & Disease | Trust God for health. "I am the Lord that healeth thee." "Thou shalt
not eat..."
"Six days shalt thou work..." "Obey the commandments... and none of these diseases shall come upon thee." |
See a good physician, take care of your health & body. Rest, Work & Play in a balanced way. Exercise regularly. Eat wisely, fruits, vegetables, & lean meats, fish, poultry & pork. | Believe that you will be healed by God, cause he is a healer and it doesn't really matter how you live, eat, sleep, rest, or play. Besides, you can always give a big offering in the basket and trust that the Faith Preacher/Healer has enough hocus pocus to get you healed & well. |
| Living within your Means. Creating, Maintaining & Following a Budget | Trust God to guide you in establishing a realistic budget that will help you to achieve your financial goals. | Noah planned 120 years in advance of the rain(downpour). Read & study up on establishing a good pratical financial budget. Spend no more than what you earn. Spend no more than the conservative estimate for housing/shelter, food, clothing & transportation. Save, save, save! Invest in Real Estate, wisely & convservately in the stock market, & other good investments. Always pay your tithes & offerings. Spread it around to good & worthy ministries. | Just trust God. Have faith and spend foolishly. Go over your budget. Continously exceed your pre-set limits. Spend more for one thing than you should. Rob Peter to pay Paul. Don't limit yourself. Get a new credit card, spend, spend, spend! (your way into debt, frustration & possibly bankruptcy!) Don't worry God is rich, he''ll make a way! Buy everything "AS SEEN ON TV!" Follow the "I can't wait," philosophy of commercialism - why wait, Just say charge it!" Then get charged to death with exorbitant usery interest rates! |
| Living within your Means II | Trust God to establish priorities. | Tithes & Offerings, first, Mortgage/Rent 2nd, Food 3rd, Transportation (cars, fuel, maintenance) 4th including auto insurance, Clothing 5th, Utilities 5th, Health Insurance (medical/dental) 6th, Life Insurance (term/whole for entire family), Retirement 7th (Investing), Savings 8th (emergencies), | God understands you can't even give a dollar to the Church, besides the Church doesn't need it as much as I do. I hate paying bills. Priorities? Just give each a little to get them off of your back and keep running behind. Don't try & control your costs. |