When we are in debt

Christmas has passed, the decorations have been taken down and life is returning to normal. Yet for many people living in Britain January is a worrying month because the bills for Christmas will soon arrive. Millions of people are entering 2018 with a debt hanging over them because they overspent during the festive period. One advice line estimates that 7.9 million people are likely to fall behind with their finances in January because of credit card debt incurred over Christmas.

Being in debt is oppressive. I remember visiting a man who was in debt. He had been injured in a car accident and had lost his job. The debts had begun to accumulate and he was unable to pay them. The bank had refused to increase his overdraft and the red letters, with their demands and threats, were arriving regularly. He no longer opened letters from the companies to which he owed money. Debt had paralysed him and filled him with fear for the future. He felt very alone and had seriously considered ending his life.

When we are in debt we need to seek help. I was able to come alongside the man and to work out with him ways to begin to address his debts. In time, all his debts were cleared and he was able to move to a new flat. A great burden had been lifted from him and he was able to enjoy life again. Organisations like Christians Against Poverty offer practical help to people overwhelmed by debt enabling them to manage their repayments and, in time, to be debt-free.

When I visited the man I was also able to pray with him and to ask God to help him. God is just and is particularly concerned for the poor and for widows and orphans. He sees the oppression of the poor and vulnerable through immorally high interest rates and he will call such lenders to account. God also provides for us in our need. In the Lord’s Prayer Jesus taught us to pray, “Give us this day our daily bread.” This petition is not only for our food but for all our daily needs. God is the One who gives us all good gifts. If you are overwhelmed by debt, ask God to help you. In Psalm 34 the Psalmist says, “I prayed to the Lord, and he answered me. He freed me from all my fears. In my desperation I prayed, and the Lord listened; he saved me from all my troubles.”

I was a stranger and you took me in

The birth of Jesus brought great joy to Mary and Joseph, but it also involved significant trauma. The news that Mary was pregnant seriously threatened her reputation for purity and integrity in her home village of Nazareth. The circumstances of the birth were extremely difficult as Mary gave birth to her first child in a stable, in a strange town, without the support of family and friends. Then, soon after the birth, Joseph had a dream in which an angel of the Lord told him, “Rise, take the child and his mother, and flee to Egypt, and remain there until I tell you, for Herod is about to search for the child, to destroy him.” So they left Bethlehem at night and went to Egypt to live in exile while Herod sent soldiers to kill all boys in Bethlehem under the age of 2. It was several years before Mary and Joseph and Jesus returned to their home village of Nazareth.

In our world today there are many people who have left their home countries in fear of their lives. Some have been threatened by those with political power, others fear religious persecution. They have experienced significant trauma in leaving their home country, family and friends and settling in a strange place. They still face a very uncertain future.

In both the Old and New Testaments God commands his people to welcome strangers and to be kind to them. The reason for this is that the Jews had suffered as slaves in Egypt until God delivered them, setting them free and giving them a home of their own. Many of the early Christians also experienced persecution and had to flee to places of safety. The kindness we show to people from other countries living amongst us is a response to the kindness we have experienced from God.

A few years ago, a young couple from the Middle East arrived in Britain as refugees. They were facing persecution in their own country. When they arrived in Britain they were detained in separate holding centres. It was their first experience of Britain and they were afraid, especially as the wife was expecting her first child. In the holding centre she was given a Bible and read these words from Psalm 42, “Why are you cast down, O my soul, and why are you in turmoil within me? Hope in God; for I shall again praise him, my salvation and my God.” God spoke to her through these words and gave her hope and his peace.

Pray for those in authority

This week the people of Britain will elect a new government. They will face some very big challenges, not least in how to deal with the increase in terrorist atrocities. The tragic recent events at Westminster, the Manchester Arena and London Bridge have raised grave concerns. The security services, who are doing an excellent job, are facing an unparalleled challenge. The number of people who have been radicalised, and the variety of ways in which the acts of atrocity are carried out, make it impossible to guarantee total security in our daily lives. How should we respond to this situation?

We should pray for those who govern us. The apostle Paul urged the early Christians to pray “for kings and all those in authority, that we may live peaceful and quiet lives in all godliness and holiness.” Many have assured those affected by the recent atrocities that they are “in our thoughts and prayers.” Thinking about those who have suffered bereavement and life-changing injuries affirms our common humanity; we care about each other. Praying for them acknowledges that they, and we, need more than human help.

We need to have big views of God. He is the Lord of heaven and earth. He created all things and sustains all things. He is the Lord of history. In the past, in times of national crisis, the British people were urged to pray. When Britain was close to defeat in World War II, and the entire British Army was trapped at Dunkirk, King George VI called for a National Day of Prayer to be held on 26 May 1940. He called on the people to plead for God’s help. Millions of people responded and God heard their prayers and wonderfully intervened so that 335,000 soldiers were brought safely across the English Channel on hundreds of tiny boats.

At the National Day of Thanksgiving on 9 June 1940, people gave thanks to God for answering their prayers. Psalm 124 was read; “If the Lord had not been on our side when people attacked us, they would have swallowed us alive when their anger flared against us; the flood would have engulfed us, the torrent would have swept over us, the raging waters would have swept us away. Praise be to the Lord, who has not let us be torn by their teeth. We have escaped like a bird from the fowler’s snare; the snare has been broken, and we have escaped. Our help is in the name of the Lord, the Maker of heaven and earth.”

Don’t be afraid

The result of the referendum on Britain’s membership of the European Union came as a surprise to many people. The full implications of the decision to leave the European Union are not yet clear, but the result has already created leadership crises in both major political parties. The decision has also revealed significant fault lines between those who live in Britain: young and old, north and south, rich and poor, England and Scotland. During the campaign, and since, two words have often been used – fear and uncertainty.

Fear is not always a negative emotion. In our daily lives fear can protect us from danger. We warn a child not to touch hot things, in case they get burned. We teach them to be careful crossing the road, in case they are knocked over. The Bible teaches us that the fear of God is the basis of morality. The book of Proverbs says, “the fear of the Lord is the beginning of wisdom.” Being conscious of God and showing reverence and respect for him provide a context in which we can seek to live a righteous life. Secular thinking encourages us to eradicate any sense of our ultimate accountability to God, but the wise person listens to their God-given conscience.

Fear can also be destructive. We may be afraid about the future and the bad things that might happen. We may be afraid of death and the way in which we will die. The Bible helps us to cope with our fears. Jesus often reassured people when he said, “Don’t be afraid.” His presence and power and his love for them calmed their fears. When a religious leader begged him to heal his little daughter who was dying, and they were delayed on their way to the house, Jesus said to him, “Don’t be afraid, just trust me.” In Psalm 56 David wrote, “When I am afraid, I put my trust in you.”

Trusting God is so important as we face the uncertainties of life. He is a refuge and strength for all who put their trust in him. In Jesus God offers us peace in all the troubles of life and a sure hope for the future. Edward Bickersteth’s hymn says, “Peace, perfect peace, our future all unknown? Jesus we know, and he is on the throne. Peace, perfect peace, death shadowing us and ours? Jesus has vanquished death and all its powers. It is enough: earth’s struggles soon shall cease, and Jesus call us to heaven’s perfect peace.”