Getting out of Debt (Part 2): Open your mind

Our greatest battles as Christians are in our minds.

I have noticed in my life that whenever I face a challenging situation (aka opportunity for growth) I almost always have to go through the same three steps…

1. I have to open my mind to a new way of thinking or doing something
2. I have to make a decision to do it
3. Then I can take action

I have found that when I am challenged by something, I either open my mind to the possibility of it or I don’t. If I do open my mind to it, then I have to count the cost to decide if I want to do it. If so, the last and often easiest step is to just do it.

For example: Before I started walking with God and even a couple years after, if I thought about sharing the Gospel with someone, I would not have opened my mind to it, because that was something that, “I would not do.” My mind was completely closed to the possibility of it and I would not even entertain thoughts about it.

As I grew in my walk, God helped me open my mind to the possibility. I was still convinced that it was something I would hopefully never have to do, but if God really, really needed my to, I would.

Well, guess what? It wasn’t much longer before I was faced with the opportunity. Now I had to decide. My mind was telling me 50 reasons why I should not as I argued with myself trying to come to a decision. It was a very fierce battle, but the decision was made and it was all down hill from there. Actually taking action (talking to the person) was easy. None of the stuff I was afraid of happened (got mocked, spit on, etc.), The hardest part was actually DECIDING to do it.

It has been very difficult opening my mind to things that were different. It is easy to do things like you always have, but opening your mind to change is difficult. It can be a painful experience to realize that maybe you have been wrong about something all your life or that there was a better way that you didn’t know about. But what option do you have? We can either bury our head in the sand, or humble ourselves and open up to the possibility of changing.

The Parable of the Rich Young Ruler

This story provides a good example of someone who was not willing open his mind to changing his ways.

Matthew 19:16-22

And someone came to Him and said, “Teacher, what good thing shall I do that I may obtain eternal life?” And He said to him, “Why are you asking Me about what is good? There is only One who is good; but if you wish to enter into life, keep the commandments.” Then he said to Him, “Which ones?”

And Jesus said, “YOU SHALL NOT COMMIT MURDER; YOU SHALL NOT COMMIT ADULTERY; YOU SHALL NOT STEAL; YOU SHALL NOT BEAR FALSE WITNESS; HONOR YOUR FATHER AND MOTHER; and YOU SHALL LOVE YOUR NEIGHBOR AS YOURSELF.”

The young man said to Him, “All these things I have kept; what am I still lacking?” Jesus said to him, “If you wish to be complete, go and sell your possessions and give to the poor, and you will have treasure in heaven; and come, follow Me.” But when the young man heard this statement, he went away grieving; for he was one who owned much property.

He probably had all of his identity tied up in his wealth, which is why when Jesus challenged his thinking by telling him to give his stuff away and follow him he couldn’t do it. He couldn’t open his mind to the possibility of not having all his wealth. He had been given specific instruction on what he needed to do to go to Heaven - yet his closed mind prevented him from following through.

He might have been thinking a lot of the same things we think when faced with the decision of whether or not to get out of debt. Like:

• Am I still going to be able to go buy new clothes once a week?
• Am I going to be able to go out to eat as much as I would like?
• Am I going to have to do things that don’t feel good?

For the Rich Young Ruler, the challenge was opening his mind to the possibility of not doing things the way he always had. He was probably raised having everything He wanted and couldn’t imagine the thought of giving it all up. It wasn’t the act of giving the money away that was the challenge, it was the fact that he couldn’t even open his mind to the possibility of not having his wealth.

He could have obeyed Jesus and used his wealth to greatly benefit the lives of others. His problem was that he was unwilling to open his mind to the possibility of giving it away. Without opening his mind to the possibility of it, he obviously would never be able to DECIDE to give it, so would also never be able to give it.

I have found that the greatest breakthroughs in my life came as a result of opening my mind to a new way of thinking. It requires humility to admit that something you have always done or always thought is not necessarily the only way or correct at all. These mindset changes can be very difficult, but they are absolutely essential to follow God and accomplish anything worth accomplishing in life.

Getting out of debt is not a one-time decision

I wish getting out of debt, losing weight, and exercising were one-time decisions, but they are not. They need to be decided over and over again. Every time you get tempted to buy something you don’t need, or have a potluck at work, or just feel like sitting on the couch - you have a decision to make. Are you going to do what you should do, or what you FEEL like doing?

You probably know what most people do most of the time - what they FEEL like doing. You are obviously different. You wouldn’t be reading this if you were like most people.

So, you may have “decided” to get out of debt, but as we go through the rest of this series you will probably be faced with some ideas that are challenging. You first need to open your mind to them, then if they are right for you, decide to do them and then of course, take action.

Next, in Part 3 we are going to look at the reasons for creating a balance sheet…

Click to go to the beginning of the Getting out of debt series.

• Getting out of Debt (Part 1): It’s not about you
• Learn to say NO
• Getting out of Debt (Part 4): Quit spending
• Why you should get out of debt
• Walk with the wise
• Success or Value?