Dark Days of Debt

“I need to transfer a balance,” I said.

“Okay, Christine, we can help you with that. I just need to collect some information from you.”

It was the usual rundown of my work history, wages, and place of employment.

“We will have to check your credit report to see what that is. Can I put you on hold?”

“Yes,” I said.

It had been eight long years of feeling the burden of this crushing my spirit. I had transferred the balance more than a few times, and luckily, I had been able to.

I had found myself owing $10,000 because a situation went sour. Decisions were made that didn’t turn out as planned, and I was swamped under what seemed like a giant. I had never had this happen before, and it won’t again, but I learned a few things.

At one point in this financial desert, God told me to give money to a person who needed it. While everything in me screamed no, I did it anyway. After doing so, I had unexpected money come my way, and in a matter of months, I had cut my amount down to $5000.

After that, I stopped believing I could get out from under it. I blamed myself for not being smarter and denied myself many things as punishment. I reasoned inwardly that I would go without anything new for myself if I had money to pay toward offsetting the monster.

Not that I ever spent money like water anyway, but I went down this very depressing path, believing money and I were at odds. My messed up beliefs drew in more pain and self-inflicted whippings to ensure I knew how stupid I was. The more I embraced this, the easier it was to let a poverty mentality take over.

I had become my own mob boss, making threats and degrading myself. I didn’t know this,

If they obey and serve him, they will have a good, long life on easy street. (Job 36:11/Message)

I felt that God could trust other people with finances but not me. Yet, I had an outstanding credit score after coming through a difficult divorce. I had forgotten how much God had shown up for me during that time.

I let the idea that I put myself into trouble at my own doing, so I had to get myself out of it. I didn’t expect heaven to take pity on me and send out a rescue team. I needed to be taught a lesson.

It was always there breathing down my neck, the clock running out on another balance transfer. I had managed to keep the amount low until my water heater went out. I had gotten the total down to under $5000 by making minimum payments, but then it went up to $8000 overnight.

I had no savings because every dime went for bills and food. If I had wanted clothes, I would have talked myself out of it because I wasn’t as crucial as that credit card payment. It was ruling over my life like an evil Queen.

“It looks like you are approved,” she said, coming back on the line.

“This is the last time I’m doing this,” I said.

She laughed like I was crazy.

“No. I have moved this money since 2013. This is it. I’m not doing it again.”

“Your card should arrive in 7-10 business days.”

“Okay. My goal is to pay this off and never use the card.”

“Good luck to you, Christine. I’m glad we could help you.” She couldn’t get rid of me quick enough because I was talking nonsense. She had probably heard people say this a million times.

I meant it. I decided that would be the last time I would ever do that. I was starting to wake up to the notion that I was using it as a crutch instead of paying it off. It was an easy way out until the time expired. It doesn’t take any faith to play the game that way. You put it off and put it off year after year. Like a good victim of misfortune.

I had never paid interest, but I had fees on a few of the transfers, which just increased the problem. I was done living like this after all that time. It was January of 2020. I made up my mind that even if I had to leave it at the end of the promotional year, and pay interest, I would.

I was not moving it again. Ever.

I had been given a journal that I found in my room in August. I started writing this every day: I am living a happy, fulfilling, all-expense paid life, fully funded by God.

Those words had dropped into my mind, and they were easy to remember. I then would ask myself: How am I happy? How am I fulfilled? How is God funding my life?

After writing the short affirmation, I would go through and answer those every day. I wrote down what I had left as a balance: $4,229.00. That was August 28th. Then as I made payments, I would write the amount I paid and the total left. On November 4, 2020, I paid it off. I had done what I told myself was impossible for eight years in three months.

I could breathe again. It had felt like a chokehold on me for many days and nights. Once I decided not to settle, the money came so I could free myself. It was like thinking I had a padlock on my arms and legs when really, it was a loose rope that I was able to slip out of.

As I go back and read what I wrote during that time, I see that I thanked God for every small thing, and I put down on paper what I wanted even if it hadn’t happened yet. This is what last year’s entry looked like:

December 8,2020
How am I fulfilled? I can be myself, do what I want, and live free with God by my side. I know that He is helping me with all things.

How is God funding my all-expense paid life? I am happily paying all my bills, putting money aside to do with as God directs. Money is my friend that goes to work on my behalf. Money works for me.

How am I rewarded in this life? I am surrounded by good, like-minded, and supportive people who love me and help me without any conditions applied.

At the end of these passages, I always wrote down five things I was grateful for that went back to the ideas listed in the opening sentence. It was repetitive, but that’s how you start to believe it.

What I noticed and still see occurring is that my words have created my surroundings very different from how I used to function. Once I decided to let God work with me, instead of fighting against it, all my circumstances changed. I was no longer “surviving.” I was actually living.

When I started off to make it better, I had no idea how it would happen, but I listened to every message from heaven and applied it.

I was the problem. Not God. Me. You. Us. We are. You think you don’t deserve it. She thinks she isn’t good enough. He convinces himself he is not worthy. It’s all wrong. I assumed I was a bad person because I made a mistake. I thought there was no divine intervention for me. I found out how wrong I was. I didn’t even have to believe that diligently. I just had to block out all the negativity that surrounded the issue.

I set an intention with God and put it into His hands, knowing I would be given something extraordinary. I had a goal to pay that off in one year. It was gone in three months. Why? Because God’s ways are not our ways. What if I had insisted on making it a year? I could have walked around telling everyone I would pay it off by the end of the year. I hoped.

Instead, I kept it between God and me. I did what I could, didn’t put limitations on it by talking stupidity, and watched the magic unfold. Silence is golden. Whoever made that up, they get it. Keeping my mouth shut unless I blessed it was the most significant piece to succeeding.

In 1 Peter 5:7, it tells us what to do that I didn’t do for eight long years,

Give all your worries and cares to God, for he cares about you. (Message)

If you are under the weight of something that seems like it will take you out, turn to the One who has all the answers. What I owed got paid off, but what I cannot get back is the time I wasted. I don’t recommend doing what I did.

Ask for help quickly, watch as God gets out an eraser, and let the bondage be broken as you are granted your release from the dark days of debt.

True Purpose

“I think you are all going to be blown away by what I have written,” he said.

This was such a bold statement from someone who was about to share an excerpt from his manuscript with a roomful of strangers. Most of us were cautious about letting anyone hear what we had written for fear of ridicule. Not this guy. He was all out there, ready to wow us.

The person in charge told him to go ahead. The next few minutes, which seemed like hours, became one long stream of consciousness with not many stops along the way, such as pauses where punctuation had been added. A good edit job would not have helped because the content was so confusing.

Details of a hitman, a machine gun, and the typical violin case housing a weapon were all there. As he read, I tried to visualize what he said, and just as I had an image form, it was quickly erased like on an Etch A Sketch that was violently shaken.

There was a lot of blood, maiming, and murder. Just dangling pieces of information that made absolutely no sense, and I wasn’t the only one not getting it. He would read the names of characters who would appear and exit quickly just because they could, for no reason at all, without any depth.

I looked at the other faces around me, and they all were frowning deeply. We all wanted to like it, we all were trying to find a shred of something to cling to, but right as it would get to a place where I thought it was taking a turn for the better, he would plunge us back into a dark area of nothingness. Random pieces of scenes and fragmented sentences with no substance kept on coming.

My mind couldn’t take it anymore as it searched for understanding. Instead of a sample reading, it felt like I was undergoing a form of brainwashing where I was supposed to make sense of what he was presenting and accept it. He had set the stage by saying this was right up there in excellence, like Moses reading the Ten Commandments. What was I not getting?

When he uttered his last sentence, he said smiling brightly,

“Isn’t it great?”

I looked to the ceiling to avoid eye contact as he was seated across from me. I was trying to give the impression that I was in deep thought. When really, I was trying to recover from the mental assault we had all just experienced.

The silence in the room was like none I had encountered before. There was throat clearing and hard swallows as we all tried to come up with a response. This was why we were here. Getting hit by a truck was all I could imagine.

We met weekly in a classroom at a church as fellow writers to discuss what we were working on. And the goal was to get feedback on how to improve and where we were hitting the mark perfectly.

He was expecting us to comment, and no one could think of anything to say. I could tell that the man running the group was calculating some thought, as was I. The only thing that came out of my mouth was,

“After hearing it out loud, how do you think you did?”

It was a clever trick I had seen Randy Jackson use as a judge on American Idol. When a singer was at their worst, he would turn it around and have them explain their view rather than give his opinion. It was a way to discuss without causing any harm.

And none of us wanted to make him feel bad. He thought what he had put down on paper would be the next New York Times bestseller.

“I think I could clean it up in a few places,” he said.

“Like where?” I asked.

“I could take out a few of the killing scenes because that got to be a bit much.”

I was out. Someone else, though, picked up on that and began to explain how to improve. Another attendee pointed out another aspect where he could rearrange some things for better meaning. Instead of taking in the ideas gratefully, he got angry, hastily put away his manuscript, and said,

“You don’t get it.” That was the first thing he said all evening I understood.

We were the problem, not him.

As I went to more of these sessions, I noticed that the best writers had extreme difficulty exposing what was on their pages. That is how I felt. Like I was letting reckless people look after my children. I recall one woman reading the most enchanting children’s story with a timid voice.

“I don’t think it’s my best,” she stated at the end.

“Why?” I asked. It was so well done.

“It sounds boring.”

“How many times have you read it?”

“Too many.”

“That’s why. Put it aside and then come back to it. It will be brand new to you then.”

“I feel like something is missing, though.”

“While you were reading it, I kept seeing it as a pop-up book where each page is three-dimensional versus flat.”

“Oh! I like that idea! I already have an interested publisher. I just felt like I needed it to stand out in the crowd from other material like this, and that would help.”

On another occasion, a woman gave us a glimpse into her recent work. Without much fanfare, she led us into a world of a man who had committed a crime and was on a prison bus, pondering his existence. It was easy to get caught up in the storyline, and her words were vivid. You could feel the anxiety of this character coming right through, along with his deep regret.

We all were awestruck at her talent. She was very unassuming looking with her hair half combed, a dirty, stained tee-shirt, and stretchy pants that had seen too many days. I knew her background as a single mom who was struggling like I was at the time. I had engaged in conversation with her to listen and tell her that what she was going through would have a good outcome.

I had no idea she housed such a gift inside.

“That was amazing,” said the leader.

“Really? I thought you wouldn’t like it. I almost threw the whole thing away yesterday.”

“No. I think you should keep going with it and see where it leads you. You have the start of something great.”

“I usually don’t write about topics like this. I write erotic romance novels.”

It was one of those moments where you think you heard wrong, and inwardly you are saying to yourself…huh?

The look on his face told me I had heard correctly.

Stumbling over himself, he said,

“Go in this direction. See where God takes you with it.”

“I guess so. Writing smut is easy for me.”

It was like being punched directly in the chest.

He looked at me to add help to the situation, and I was thinking,

“You are in charge, buddy, not me.”

“Smut just flows off my pen so easily.”

This felt like it was turning into an after-hours 1-900 phone chat. Before she got into any further details, I said,

“Maybe God wants you to do something else. What you have been doing was just for a period of time until you got to this point.”

I was trying to tone it down and break the uncomfortable feelings I sensed from all around me. She was being honest, so I didn’t want to be anything but delicate in how I addressed it.

I had seen a lot of nonverbal reactions in my time, but the expressions around the table were unreal. Wide-eyed and pale, I think most of them were shocked to their core. My goal was to get her to see she was better than where she had been, and she needed to embrace it.

“Your writing is from God. You know that, right?”

“I never thought of it that way,” she said. “I just did it.”

“God wants you to be aware of the idea that you can tell a story that you are given, and it will have deep meaning to many people. Maybe the genre you were writing was limiting God speaking through you.”

No one in that room would have ever read what she said was her usual. Well, maybe one guy, but I could tell by the muted reaction that most would not have touched it with a ten-foot pole.

“You have a choice. You can do what is easy, or you can move to where you have never been and see what you are made of.”

She had been in a comfort zone where what she produced would show up without effort, but now she had to put some work into it with genuine feelings. Right away, she was ready to throw the entire thing into the trash because she believed it wasn’t good. But, when she got outward recognition and support, telling her the truth, then she was willing to keep on going.

Moving from one place of being into another isn’t something most of us excitedly sign up for. We like safety nets and the false assumption that life will somehow change before us if we keep on doing what we have always done. We cannot walk a higher road until we decide to get on another path. That is the scary part. Leaving behind what is familiar to seek out something that is calling us to unknown territory. Sometimes we need another voice in our lives to come along and tell us we can do it.

Many creative or spiritually gifted people often hide their talents for fear of what others will think. Proverbs 29:25 explains,

The fear of human opinion disables; trusting in God protects you from that. (Message)

There’s that word again: trust. And if you have been criticized or hurt in the past, it’s easy to want to protect yourself. So you self isolate and cut yourself off from the world.

The other illusion is that we are just a tiny drop in an ocean of others who are so much better than we are. What do we have to offer the world? We convince ourselves that we aren’t anyone of value so that painting goes undone, the book isn’t written, the speech is never delivered, and a healing prayer is never spoken. It’s just another way to keep ourselves safely tucked away out of the limelight. Yet in Proverbs 18:16, this is stated,

“A man’s gift makes room for him.” (NKJV)

So instead of sitting on the sidelines making excuses while God waits to do the best divine work ever in your life, be willing to step into the real reason why you were created and live out your true purpose.