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.