Debt will steal the joy and tie the hands of our generosity!3 steps we can take toward financial peace:1. Embrace God's KNOWLEDGEEducating ourselves is an important step to move us toward financial peace.Hosea 4:6 NLTProverbs 1:5 NIVProverbs 11:24 NIVApplication for EDUCATING ourselves toward financial peace.1) Educate yourself by reading what the BIBLE has to say on handling finances.Proverbs 3:9 NIV2) Read what proven financial EXPERTS say on overcoming debt.Proverbs 15:22 NLTThe one principle that surrounds everything else is that of steward-ship; that we are the managers of everything that God has given us."-Larry Burkett2. Embrace God's DISCIPLINEPhilippians 4:19 NLTProverbs 21:20 NIV"Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this."-Dave RamseyApplication for embracing God's DISCIPLINE:1) Set an ACTION planProverbs 21:5 NIV2) Invite GOD into your planProverbs 16:3 NIV3. Embrace God's ACCOUNTABILITYJames 5:16 NLTApplication for embracing God's accountability:1) Be HONESTColossians 3:9 NLT2) Seek a trusted PERSON to keep you accountable in areas of finances.Galatians 6:1-2 NLT3) PRAY regularlyPhilippians 4:6 NIVPRAYER:God, Thank you for sending Your Son to pay the debt of all my sin. Thank you that I am totally forgiven and restored in Christ. I choose to follow Jesus and embrace His direction for every part of my life. So today I invite You--God to help me with my finances. I confess that I am better with Your help. Holy Spirit, guide me so I will honor Christ with the financial blessings You've bestowed on me. In the areas where I have difficulty, I embrace Your help and the help of others You send my way. In Jesus Name, I pray. Amen