Set, Stand, and See: How to Live a Debt-Free Life

 

Set, Stand, and See How to Live a Debt-Free Life (Romans 13:8)

"Owe no one anything, except to love each other, for the one who loves another has fulfilled the law." – Romans 13:8

   This is the year of release, a time when people release others from debts owed and step into freedom themselves. Living a debt-free life becomes possible through conscious choices in time, perception, and language. Scripture invites us not only to manage finances wisely but to align our thinking, words, and actions with divine principles.

   Firstly: Length of Time

   In Scripture, debt is always connected to a specific length of time. Biblically, people remained in debt no longer than seven years the number of completion. At the end of that period, unpaid debts were forgiven, releasing both debtor and creditor from bondage. Holding debt beyond its season created unnecessary limitation.

   This principle still applies today. People choose how long debt remains in their lives. For example, making one extra mortgage payment each year can shorten a fifteen-year mortgage to roughly seven and a half years. Credit card statements often reveal how minimum payments extend debt indefinitely, while increased payments accelerate freedom.

   A powerful affirmation emerges: “I choose how long I remain in debt.” This applies not only to financial obligations but also to emotional debts such as resentment or unforgiveness. People decide the timeline for release. Using credit cards wisely, paying balances within thirty days avoids interest while preserving financial health. Reviewing debts, setting timelines, and shortening them restores personal authority.

   Secondly: Look

   How people look at debt determines how they experience it. Many grow up believing debt lasts forever, creating an image of endless burden like a dungeon or black hole. This perception produces stress, fear, and limitation.

   Scripture offers a different view: owe no one anything except love. Financial obligations are paid promptly on time or early while the only ongoing debt becomes love, honor, and respect. God loves unconditionally, and people extend that love regardless of age, race, gender, orientation, education, status, background, or belief.

   Every person becomes a brother, sister, or child worthy of dignity and acceptance. This relational debt of love fulfills the law and brings freedom. Examining inherited beliefs about debt opens the door to divine ideas that transform perception. In the kingdom way, debt is temporary, but love is eternal.

   Thirdly: Language

   Language shapes experience. Some people use words like “owe” and “pay,” which can bring relief through fulfilled obligation. God receives payment as love expressed through action, while self and others receive investment through care and responsibility.

   Others discover freedom by shifting their language to: “I love, so I give.” Love for God inspires giving time, talent, and treasure. Love for self encourages wise investment. Love for others motivates generosity. This language flows from abundance rather than deficit.

   People say, “I love my home, so I give toward rent or mortgage.” “I love transportation, so I give toward car payments and insurance.” “I love enjoyment, so I give toward entertainment.” Where treasure goes, the heart follows. Thoughts become words of love and giving, and words guide actions of release and investment.

   Living a debt-free life involves these three practices: set the length of time, examine the look, and choose the language. Through transformed thinking, words, and actions, people step into abundance, increase, overflow, and more than enough.

📖 Reflection: What belief, perception, or language about debt is ready to be released so freedom can increase?

💡 Action Step: Choose one debt—financial or emotional—and consciously set a timeline, shift your perspective, and speak words of love and release over it.