Slave to Creditors

Excerpted from Every Man Ministries by Kenny Luck

There was a time when I needed an overhaul. It happened about 10 years ago when I was a credit-card company’s dream customer! My gold card fed my appetite for all sorts of ‘needs.” Clothes, birthday and anniversary trips, and lavish dinners out were all benign events for which I supplied perfect justifications. Christmas gifts, home improvements, and repairs on my snazzy foreign sports car became part of my lifestyle. And just as reality should have slapped me in the face, additional lines of credit would mysteriously arrive.

I started to earn more money, but I also started to believe my own rationalizations regarding my finances. I trusted our credit cards more than I trusted God. I certainly didn’t have the faith to believe that if we gave our 10 percent, He would make the other 90 percent work for us. So I gave less to the church and spent more on myself. I refused to deny my family any desire. I ignored my wife, Chrissy’s urgings to tighten our financial belts, which only accelerated our insidious spiral into financial bondage. All of the turmoil caused tremendous amounts of anxiety that remained invisible to outsiders but was visibly and verbally incinerating our home and marriage at the end of every month.

10 years ago I was a
credit-card company’s
dream customer!

One night, following a lively discussion with Chrissy about our messed up finances, I happened to open my Bible. My eyes fell to these words: ‘The borrower is servant to the lender’ (Proverbs 22:7). Seven words, seven tons of impact. I was a slave ‘ to my creditors. I had also enslaved my family because of my inability to say no to myself. Worse, my character deficiency had moved God away from the center of my life and replaced Him with financial anxiety. This was a form of idolatry. That truth kindled my repentance and a desire to change, which I confessed to my wife.

I also sought help from friends. Not financial help, but prayer and counsel regarding our precarious financial situation. I can remember weeping in front of my close friends after I disclosed that we had rung up twenty thousand dollars in credit-card debt. I was embarrassed in every way, but I was past caring. I was determined to do what it took to get honest with myself and with the mess I had created. The only way I knew to accomplish that was to humble myself before God, my wife, and my buddies and ask for their help. I remember saying, ‘Whatever it takes, Lord.’ Simply put, if that meant living with one car, so be it. If it meant giving to the church when it made no sense, I would give. If it meant submitting myself to an austere monthly budget for two years to get out of debt, that too, was what I would do.

 I became the RICHEST of all men
because, deep inside,
I was committed to the course!

That day, the last major bastion of control fell into God’s hands, and His victory was both humbling and liberating. Although I was awash in debt, I became the richest of all men because, deep inside, I was committed to the course.

What bastions have you erected against God’s goodness and blessing in your life? Most men can name them in a nanosecond Gad has already been speaking to them, convicting them that their priorities are seriously out of line. God’s message, and mine, is that those walls have to fall ‘ for the sake of His kingdom.

Will She Ever Trust Me Again?

Building Trust

While conducting the Every Man’s Battle seminar, a question I often hear from married men is: ‘I’ve admitted my sin, apologized to my wife and tried to make it right. She says she forgives me but can’t trust me. Will she ever trust me again?’

Rebuilding trust is like rebuilding credit. It can be done, but only through a combination of time and consistency.

So if broken trust is a challenge to your marriage, let me offer you three ideas on how to rebuild it.

First, get a solid structure put in place. A solid structure is a combination of accountability, daily prayer, Bible reading, and regular consultation with a pastor, mentor or Christian counselor. Find yourself a good men’s accountability group, or a good Christian therapist(call 1-800-NEW LIFE if you need help with that) An accountability group is a great option since connection is a necessity to having transformation in your life! I encourage you to also begin a daily habit of devotion, personal prayer and some time spent reading scripture. Let your wife know, in writing preferably, what your structure is. List the name of your group leader, your counselor, and the schedule you’re adopting. Give her a copy, so she knows what program you’re following, and tell her she can watch you to see if you’re sticking to it. You’ll probably be surprised how much trust this alone can build.

Second, set aside a weekly time – maybe an hour or so to do nothing but listen to her. Tell her it’s her time to tell you how she feels about your marriage, about your progress, about herself, or anything else that’s on her mind. During her ‘listening’ time, try not to interrupt her or argue. You simply listen carefully to her concerns, and make sure she knows you share them. This habit will show her that, in contrast to the selfishness you displayed through your sexual sin, you’re now putting her, and her needs, first.

Finally, don’t rush her. She’s been wounded, and wounds are healed, not erased. So give her time. Give her the time and space she needs to be angry and sad, as she grieves over the blow your marriage has endured. By patiently waiting for her confidence in you to rebuild, you’ll show her that you take responsibility for your behavior by not expecting her to ‘just get over it.’ She needs that from you. So if both of you will patiently invest in time and consistency, you’ll reap an enormous level of strength and intimacy in your relationship. In the end, the trust she’s lost can be restored, added to, and treasured.

Join us for one of our Weekend Workshops or the couples group for rebuilding marriages affected by lust, pornography, or infidelity. By God’s grace, your marriage will be renewed and transformed.