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Good planning and hard work leads to prosperity, but hasty shortcuts lead to poverty. (Proverbs 21:5)

Let us pray: Dear Lord, you know my heart’s desires. In my prayers every night, I always ask for that day of being debt free and financially stable. Please give me the wisdom and willpower on how to improve our life.  Humble me and teach me to become frugal. Remind me Lord to know the difference between my desires and my true needs. Guide me in sticking to my budget so that I can pay all our bills and save whatever I can. Help me Lord so that I will never be tempted to do anything wicked just to make our life easier. Amen. 
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