December 5 – Personal Contentment and Financial Covenants

Read 1 Timothy 6:1-10

“The rich rule over the poor,
and the borrower is slave to the lender.”  (Prov. 22:7)

The “covenants” we establish with lending institutions enable us to have today what we can pay for tomorrow…and the next day…and next month…and next year.  Some of the financial decisions we make, you see, lead to servitude.  The writer of this simple proverb reminds and warns us of this reality.

Of course, we can avoid that kind of slavery through debt-free living.  We can decide to never enter into such an agreement with a bank, mortgage company, or lender.  That commitment would certainly enable us to avoid the slave/master relationship described above.

But beyond the external actions and decisions to borrow or not to borrow is something even more basic.  It is the principle of contentment.  On our refrigerator, we have a magnet that reads:

“Contentment is a state of the heart that says you would be at peace if God gave you nothing more than He already has.”

  • Choosing contentment helps you to avoid the griefs of regret and misdirection (v. 10b).
  • Choosing contentment prevents you from wandering from the faith to chase other idols (v. 10).
  • Choosing contentment steers you clear of the traps and temptations that have caused the ruin and destruction of countless others throughout history (v. 9).
  • Choosing contentment will cause you to be satisfied with the essentials (food and clothing) rather than yearning for the luxuries (v. 8).
  • Choosing contentment will force you to view life through the lens of eternity where nothing material you currently have will still be yours (v. 7).

The potential of the contented life is amazing.  Just imagine the expenses you can avoid!  Just imagine the savings you can experience!  Just imagine the freedom that can be yours by paying for things with money you have!  Just imagine the resources you can leverage for the purpose of generously doing good for others!  Ultimately, just imagine the satisfaction that comes from finding your satisfaction in God rather than things!


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