The burden of debt

Debt is a growing problem for many families in Britain. In 2017 the average annual overspend for families in Britain was £900. It is estimated that £19bn is owed for utility bills, missed council tax payments and repayment of overpaid benefits. There has also been a rapid increase in borrowing on credit cards and poorer families are increasingly looking to payday loan companies for loans to cover daily living costs. The interest charged by these companies is astronomical.

It is only too easy to be enticed into taking credit when companies offer interest-free or low interest credit for new cars, furniture, the latest technological gadgets, new bathrooms and kitchens. The cost of getting everything needed for their children to go to school at the beginning of a new academic year has recently put real pressure on many families. Children experience peer pressure to wear high-cost clothes with designer labels and to have the latest smartphone and tablet.

Debt can be crushing. I remember visiting a man who was seriously in debt. He had been injured in a car crash and could no longer work. His marriage had broken down and he had run out of money. He was afraid of the post arriving because there would be more red letters demanding payments he couldn’t make. His bank refused to lend him any more money and he was afraid that one day the bailiffs would arrive. He was imprisoned in his house and deeply depressed. He needed someone to come alongside him. Together we were able to work through his situation and find a way to address his debts. Today Christians Against Poverty is one organisation which helps people to manage their debts and to face the future with hope.

The Bible also speaks about another debt we owe because we break God’s laws. In the Lord’s Prayer Jesus encouraged his disciples to pray “Forgive us our debts.” All of us have this debt problem, whether we are rich or poor. Every day we do and say things we know are wrong and so our debt to God increases. As many people try to ignore financial debts so we may push this debt to the back of our minds. But Jesus encourages us to face up to our moral and spiritual debt and to ask God to forgive us. Jesus died on the Cross to pay the price of our sins and so through him we can experience the joy of forgiveness and the cancelling of the debt we owe to God.

The challenge of digital dependency

For the first time in many years sales of dumb phones have increased. Dumb phones only enable people to make phone calls and send texts. Some people want to escape round the clock access to social media. One lady said, “I just hated the fact I was always on it. My friend told me I checked my smartphone 150 times a day and told me I was always on Facebook pages and Instagram. The more you do it the more you feel you need to do it. Switching to a dumb phone is not full cold turkey because I do have an iPad, but it’s more about choice. If I go out with just a dumb phone then I can make a choice and have a day without all the noise of the notifications and apps.”

A recent report by Ofcom entitled “A Decade of Digital Dependency” says that 78% of people in Britain now have a smartphone and most of them say they couldn’t live without it. People spend less time making phone calls and more time messaging and accessing the internet. Many check their phones every 12 minutes and spend more than a day a week online. 40% of adults check their phone within 5 minutes of waking up and just before they switch out the light at night. On average young people aged 15-24 spend 4 hours a day on their phones and check them every 8 minutes. For the first time women are spending more time online than men.

While the Ofcom report highlights benefits such as keeping in touch with family, it also says that smartphone use increases stress and disrupts personal and family life. More than 50% of people admitted that using their smartphone interrupts conversations with friends and family. Using a smartphone at mealtimes was deemed inappropriate by 72% of 18-34s and 90% of those aged over 55.

Smartphones must be used wisely. Time is valuable, and our lives fly by so quickly. Personal face-to-face relationships are really important. Our family and real friends are very precious. Real friends do not demand our constant attention but love and give. There are many things we don’t need to know but some things are so important we dare not miss them. Time to listen to God and to speak to him is vital. He hears our prayers and he cares. When we begin and end each day speaking to him in prayer he gives us his peace and the strength to face whatever may come.

Let the children come to me

Hospitals in Britain are treating almost twice as many girls for self-harm as they did 20 years ago. Hospital admissions have increased from 7,327 in 1997 to 13,463 in 2017. The number treated for attempting an overdose has increased tenfold from 249 to 2,736. The number of boys admitted to hospital for self-harm has stayed the same but the number of boys attempting an overdose increased from 152 in 1997 to 839 in 2017. A spokeswoman for the NSPCC said: “Sadly, these heart-breaking figures are unsurprising. Many children are being driven to self-harm as a way of dealing with the pressures and demands of modern-day life. Young people are crying out for help.”

Jon Goldin, of the Royal College of Psychiatrists, said: “I think there are a range of factors putting pressure on young children – academic pressures, social media, the fear of missing out and comparing yourself unfavourably to images you see online.” He added that girls may be more ‘sensitive’ to the pressures than boys. One girl aged 14 said: “Recently I’ve lost some people who were really close to me. When I started to self-harm, it seemed to mask the emotional pain I was feeling. When I get the urge to cut, I can’t seem to stop it until it’s done, otherwise I get really upset and angry.”

Children and young people are more vulnerable today than they were 20 years ago. Social media and smartphones mean that they can never hide or escape. The Photoshopped images of celebrities present a false body-image of perfection. Teenagers, and others, are pressurised into thinking that your image, clothes and possessions are what really matter. However, what matters most is not our outward appearance or possessions but the people we really are. Peer pressure can also be very cruel. If others don’t like me then I don’t like myself and so I punish myself through self-harming.

Jesus taught that children are precious in God’s sight. When parents brought their children to Jesus he said: “Let the children come to me. For the Kingdom of God belongs to those who are like these children. I tell you the truth, anyone who doesn’t receive the Kingdom of God like a child will never enter it.” He also gave a very solemn warning to those who mistreat or exploit children: “If you cause one of these little ones who trusts in me to fall into sin, it would be better for you to be thrown into the sea with a large millstone hung around your neck.”

Saved to serve

The obituaries that are printed in national newspapers provide a brief summary of a person’s life. How did the person spend their life? What were their main priorities and achievements? It is a good for each of us to ask ourselves what we are doing with the precious life God has given us? I recently read a short account of the life of Michael Lapage, who died in July at the age of 94. His father was the vicar of Shaftesbury and Michael went to Monkton Coombe School, near Bath, where he became an accomplished rower.

In 1942 Michael left school and, deferring his place at Selwyn College, Cambridge, volunteered for the Fleet Air Arm. After training he joined 807 Naval Air Squadron and flew Seafire planes from the escort carrier Hunter. Later he flew reconnaissance and air-to-ground strafing missions during the Allied landings in southern France. Towards the end of the war he was deployed to the Far East where he was nearly shot down while on patrol off the coast of Malaya. The tailpiece of his plane was seriously damaged, but he managed to get back safely to his carrier. Michael knew that he could easily have lost his life that day.

After the war was over, Michael went to Cambridge University and was a member of the crew that won the 1948 Boat Race. That same year he rowed for Britain in the 1948 Olympic Games in London and won a silver medal. In 1950 he won a bronze medal in the, then, Empire Games. In 2012, at the age of 88, he carried the Olympic torch in the relay for the 2012 London Olympic Games!

After leaving university Michael taught at Winchester College until, in the late 1950s, he went to Kenya to serve as a missionary. He was a schools’ inspector during the Mau Mau uprising and was later ordained in Kenya as a minister of the Gospel. Michael’s Christian faith, and the experience of nearly being shot down in 1945, convinced him that he had been “saved to serve”.

Michael’s life was shaped partly by the challenges of the days through which he lived but mainly by his love for his saviour Jesus Christ. He knew that Jesus came from heaven to this earth not to be served but to serve others and to give his life as a ransom for many. So Michael gladly dedicated his life to serving others and to telling them the good news about Jesus, who loved us and gave himself for us.

Holidays are important

The summer holiday season is in full swing. The number of people in Britain taking holidays is increasing. In 2017 87% of British people took a holiday at home or abroad. On average British people take 3.8 holidays each year of which nearly 50% are overseas holidays. People living in London and Northern Ireland take least holidays; less than 2 per year. 18% of people don’t take a holiday. In 2017 the average British family spent £1284 per person on their summer holiday.

In the Old Testament God commanded the people of Israel to celebrate annual feasts and festivals. They were communal holy days which focussed on remembrance, thanksgiving, joy and celebration. The people remembered the great things God had done for them in delivering them from slavery in Egypt and in providing food and water for them through their 40 years in the wilderness. Other festivals were related to the annual harvest when the people thanked God for his faithful provision for their needs and offered their gifts to him. Each year the people also remembered their need for God’s forgiveness and offered sacrifices to him.

The weekly Sabbath day was God’s gracious provision for his people to rest from their daily work. “Remember to observe the Sabbath day by keeping it holy. You have six days each week for your ordinary work, but the seventh day is a Sabbath day of rest dedicated to the Lord your God. On that day no one in your household may do any work.” In our secular society we have lost sight of the importance of a weekly day of rest. All of us need to rest. A weekly day of rest enables us to do our work more efficiently, to spend time with our families and those in need and to thank God for his love and faithfulness.

Holy days are also an opportunity to think about eternity. In the midst of our busy lives it is good to reflect on the fact that we are mortal. When someone we love dies we may put on their gravestone the words “Rest in peace” because we want them to find eternal rest and peace. Christians in the first century patiently endured persecution as they lived in obedience to God’s commands and maintained their faith in Jesus. In the book of Revelation John hears a voice from heaven saying, “Blessed are those who die in the Lord from now on. Yes, says the Spirit, they are blessed indeed, for they will rest from their hard work; for their good deeds follow them!”

The peace of God

A few years ago we were given a red mug with the words “Keep Calm and Carry On” on it. The design of the mug is based on a motivational poster produced by the British government in 1939 in preparation for World War II. The aim of the poster was to raise public morale in anticipation of the mass air attacks on major British cities. In 1940 and 1941 the Blitz killed more than 40,000 civilians and destroyed more than 1 million houses in major cities around Britain, but the 2.5 million copies of the poster were never used. However, the British people, especially those living in London, show amazing courage and resilience in the face of the terrible bombing they endured.

The motto on the poster was an appeal for stoicism – a “stiff upper lip” and calm resolve in the face of adversity. Stoicism is an ancient Greek philosophy which encourages people to subdue their emotions through self-control and fortitude. Today, a stoic is seen as an unemotional person who seems to be indifferent to pain, pleasure, grief or joy, and who accepts hardship without any display of feelings or complaint. In hard times a stoic does not look for, or expect, love and comfort, but simply accepts what life throws at them.

In his letter to the church at Philippi the apostle Paul presents another approach to the challenges of life. He wrote, “Rejoice in the Lord always. I will say it again: Rejoice! Let your gentleness be evident to all. The Lord is near. Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God. And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus.”

When he was in Philippi Paul had been unjustly beaten and imprisoned. At midnight, when he and his companion Silas were in prison, they prayed and sang hymns to God. Their response to suffering was to rejoice in the Lord remembering his love for them in Jesus and thanking him for the many times he had blessed them in their lives. They knew that, even in prison, the Lord was with them. So they prayed to him and gave thanks to him and asked him to help them and give them his peace. When we experience adversity, as we all do, it is good to pray to God and rejoice in who he is. He hears our prayers and will give us his peace.

Finding God when we fail

In 2011 the Coalition Government in Britain defined what they saw as fundamental British values. Schools are now at the forefront of promoting “democracy, the rule of law, individual liberty, and mutual respect and tolerance of those with different faiths and beliefs.” The values are all important, but are they succeeding in making us more tolerant of other people?

Whilst we all know that others must make allowances for our failings, the standards we demand of others are very high. We don’t tolerate failure. Politicians who fall short must resign. Heads of large organisations, both private and public, must be held to account for the failings of everyone under them. Managers of football teams who do not deliver the success the owners and supporters demand are sacked. Yet all who resign, or are sacked, are replaced by equally fallible people!

Jesus gave special encouragement to those who had failed. He was severely criticised, and ultimately condemned to die, by self-righteous, hypocritical religious leaders. They were extremely intolerant of those who failed to keep the man-made rules they had imposed. But people who knew they had failed by breaking God’s commands were drawn to Jesus. He gave them hope of forgiveness and a new beginning.

Jesus told them a story to show what God, his heavenly Father, is really like. He is wonderfully gracious and offers us a second chance when we seriously fail and mess up. In the story a son rebelled against his father, took his share of the family inheritance and went to a distant country where he threw himself into wild living. He denied himself no pleasure but soon spent all his money and was struggling to survive. Then he came to his senses and realised he had to go back to his father and admit that he had sinned against him and against God.

While he was still a long way off, his father saw him coming. Filled with love and compassion, he ran to his son, embraced him, and kissed him. His son said to him, “Father, I have sinned against both heaven and you, and am no longer worthy of being called your son.” But his father said to the servants, “Quick! Bring the finest robe in the house and put it on him. Get a ring for his finger and sandals for his feet and kill the fattened calf. We must celebrate with a feast, for this son of mine was dead and has now returned to life. He was lost, but now he is found.”

Teach us to pray

Tearfund, a major Christian relief and development charity, recently commissioned a survey on prayer. Over 2000 adults took part in the survey which revealed that more than 50% of people in Britain pray. One in three people pray regularly at a place of worship. Many people also pray as they go about their daily activities in the home, as they travel and exercise, and before they go to sleep.

People pray to thank God and to ask him to bless their family and friends, especially in times of illness. More women (56%) pray than men (46%) and even some who would describe themselves as “non-religious” pray in times of crisis and desperation. Previous surveys revealed that more teenagers and people in their early 20s are likely to pray than their parents’ generation. Younger people tend to be more conscious of the needs of others and often pray for peace in the world and for an end to poverty.

Jesus’ disciples once asked him to teach them to pray and he taught them what we call The Lord’s Prayer; “Our Father, who art in heaven, hallowed be your name. Your kingdom come, your will be done in earth, as it is in heaven. Give us this day our daily bread and forgive us our trespasses as we forgive those who trespass against us. And lead us not into temptation but deliver us from evil: for yours is the kingdom, and the power, and the glory, for ever. Amen.”

This is a wonderful example of how to pray. Our prayers don’t need to be long or complex as if we need to impress God with fine words. The Lord’s Prayer is so simple a young child can say it. When we pray we focus our thoughts on the one true, living God, the creator of all things. We are small and vulnerable but he is almighty and gracious. His name is holy, and he is worthy to be praised. Wherever his kingdom comes on earth there is a foretaste of heavenly joy and peace.

We can ask him for our daily food and to forgive us for the wrong things we say, think and do every day. All of us need his protection in the face of the temptations to sin and many evil influences that are all around us. And, amazingly, Jesus taught us that we can know God, in an intimate way, not as some remote, impersonal power, but as our heavenly Father who knows us and loves us!

Remembering Cyrille Regis

Cyrille Regis, who has died at the age of 59, was a great footballer. Those who knew him have spoken warmly of Cyrille and their sense of loss at his passing. One of his former managers said, “Cyrille was not only the best centre-forward I ever worked with, he was an even better bloke.” Cyrille’s pace, strength and power thrilled the crowds. He scored some spectacular goals that are still remembered today. He was also an inspiration to subsequent generations of black British footballers as he, and other black players, faced blatant and shameful racism from opposing fans with great dignity.

Cyrille was born in French Guiana, but moved to Britain when he was 5 and grew up in West London. When he was 19 he was spotted playing non-league football and signed up by First Division Club West Bromwich Albion. There he played with other talented black players, Laurie Cunningham and Brendon Batson. Cyrille won the PFA Young Player of the Year award in 1978 and played for England at both Under-21 and Senior levels. In 1987, he won an FA Cup winners’ medal with Coventry and was awarded an MBE by the Queen in 2008.

In 1989 Cyrille’s best friend and former team-mate, Laurie Cunningham, died in a car crash. This tragedy had a devastating impact on Cyrille as, just two years earlier, he and Laurie had been in a car accident which they had survived. As he was growing up, Cyrille had been taught Christian values, but as an adult he had turned away from them. Laurie’s death left him asking questions such as: Is there really life after death? Where is God in all of this? Why did this happen? Cyrille’s search for answers ultimately lead him to what he described as “a real encounter with Jesus”. This encounter changed his life forever when he received Jesus as his Saviour.

As a born-again Christian Cyrille was passionate about sharing his story with others who were also searching for answers. He said, “I meet people all the time, some famous, some not, who are all looking for hope and peace. I have learned that money cannot buy peace of mind so I simply tell people how I found hope and peace in God. The great thing about it is that anyone can have the peace that I have, you just need to know God.” Now Cyrille is with his Saviour in heaven, and will be with him forever, because Jesus loved him and gave himself for him.

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.”