Hudson Taylor and Charles Spurgeon believed that Romans prohibits debt altogether. However, if going into debt is always sin, it's difficult to understand why Scripture gives guidelines about lending and even encourages lending under certain circumstances. Proverbs says "the borrower is servant to the lender." It doesn't absolutely forbid debt, but it's certainly a strong warning.

Many Christians dread the thought of leaving this world. Why? Because so many have stored up their treasures on earth, not in heaven. Each day brings us closer to death. If your treasures are on earth, that means each day brings you closer to losing your treasures.

Give deliberately. Giving is at its best when it's a conscious effort that's repeatedly made.

Seek the Lord and give God the opportunity to provide through other means before you take out debt.

Nothing is wiser than giving first to God, cutting back our expenditures wherever we can, and systematically paying off our debts to others, having placed ourselves through our faithful giving under God's blessing instead of His curse.

Am I getting braver, or just getting accustomed to being terrified?

There's a throne in each life big enough for only one. Christ may be on that throne, or money may be. But both cannot occupy it.