There was a season in my life when debt consumed me. Not just financially, but emotionally and spiritually. Much of it had accumulated during my marriage which resulted in heavy consequences. After my divorce, I faced the burden alone. I was scared, ashamed, and overwhelmed. But when I surrendered it all to God, He met me with grace, wisdom, and peace. It wasn’t an easy journey, but it was worth the sacrifice that came with healing.
Debt can feel like a giant, looming, loud, and impossible to ignore. But we serve a God who still moves mountains. Whether you’re just starting your journey or need a reset, this faith- based approach is about progress, not perfection. Let’s invite God into the process and walk into peace, one step at a time.
By God’s grace, I went from drowning in debt to walking in peace and purpose. Below is a straightforward roadmap. It shows how I tackled this setback. It details how I came to a place of peace along the way.
1. Start with Prayer and Acknowledge the Situation.
Before anything else, pause, and pray. Ask God to reveal what needs to be addressed. Not just financially, but spiritually and emotionally.
”If any of you lacks wisdom, you should ask God, who gives generously to all without finding fault, and it will be given to you.” ~James 1:5
Prayer:
”Lord, I lay my finances at your feet. Show me what needs to change. Give me wisdom, grace, and strength for this journey.”
2. Create Clear Pictures of Your Goals
Clarity brings peace. Sit down with your bills, statements and income sources and write down everything. I suggest looking at bank statements and credit card statements from the past year. You don’t need any type of special program to get started. I began with a pencil and notebook.
“For which of you, desiring to build a tower, does not first sit down and count the cost.” ~ Luke 14:28
3. Start with Faith Filled Goals
Debt freedom needs a vision. Ask: what would financial peace look like in six months? What do I want to be free from? What legacy do I want to leave? Do I still want to be struggling with debt in 10 years?
“Write down this vision; clearly inscribe it on tablets so one may easily read it.”Habakkuk~2:2
4. Create a Budget that Aligns with God’s Vision
A budget isn’t about restriction. It’s about freedom through intentional living. Start with:
Basic needs (housing, food, and transportation)
Debt minimums (credit cards, auto loans, and medical bills)
Emergency savings (A set amount you will always have available in your savings account for unexpected expenses.)
Giving (as God leads)
Wants (within boundaries)
“Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.”~ Proverbs 21:5
I know how heavy this journey can feel, but I promise you, there is a silver lining. Walking through debt isn’t just about paying off balances. It’s about discovering who you are when you surrender everything to God. It’s in this process that He builds strength, wisdom, and a deeper dependence on Him. What feels like a burden today can become a testimony tomorrow. Keep going, keep trusting. God is not just bringing you out of debt. He’s leading you into peace, purpose, and freedom.

