debt
Creating Tranquility
My message is unique and, hopefully, simple and easy to apply. It is about creating a tranquil life in the midst of an anxious world. It is about how you can enhance your brain's natural tranquilizers and push back the inroads of stress.
It is unlikely that you can ever escape totally from this high-stress world. … If you want to preserve your sanity and achieve a healthy life, you have to make some choices and resolve to live a balanced life. By a “balanced” life, I mean that, like a marathon runner, you must learn how to pace yourself. You give it all you've got going uphill and rest as much as you can going downhill. You try to balance the drain on your energy so that you can “go the distance.”
You can't escape the realities of your high-stress world. You certainly can't turn back the clock to simpler times — although, I must confess, this is a wonderful fantasy that I occasionally indulge as a form of escape. I frequently reflect on the many happy childhood times I had with my grandparents. They lived a simple, country life. They were totally self-sufficient, tilling a small piece of land and raising their own food. They saved wisely for their retirement and spent little money during the bleak years of the Second World War. With only a short-wave radio to connect them to the rest of the world, life seemed simple yet luxurious to me as a child. There was a sense of unhurriedness and simple pleasures. All the money in the world couldn't buy such luxury in today's world. It is not for sale; you have to create it.
Background Information
The Road to Debt
Learn to guard against the four common causes of debt.
Save or Swim
Danger: Thin Ice. Most people wouldn't risk their physical safety. So why do we ignore the signs of a financial catastrophe?
Drowning in Debt
If you can't seem to catch your financial breath, you're not alone. Sadly, millions of Americans are credit card captives.
Questions and Answers
What is the biblical approach to possessions and money?
Answer
Review Frequently Asked Questions
Stories
Prosperity and Pain
Finding blessings in the midst of incredible financial trials.
Credit—Not So Priceless
Every month, we spent more than we made and our balances ballooned. But it didn't stop us from purchasing a new living room set. Who could resist? Little did we know: we were digging a financial grave.
Living in Secret Debt
There's a high price to pay for acquiring debt.

Share Your Story
Other Things to Consider
Even Though We Ain't Got Money…
That phrase – live on love – kept bringing to mind a song they played on the radio when I was a kid. I scoffed at its utter lack of common sense.
Learning to Roll With Change
It's not the most fun you'll ever have, but the results are worth it.
Related Topics
Transitions: Changing Jobs, Moving
Relationships: Communication Gaps
Parenting Teens: Communication Problems
