Financial Hardship and Debt Help via Faith

by Naquan on December 11, 2009

Facing a severe financial hardship (whether that’s losing a job, filing bankruptcy, getting a repossession notice, having a ZERO balance in your checking’s account and etc) is tough – especially when it can potentially impact and change your life (and possibly others).  But know that you’re not alone.  God is with you and desires to help during a time of hardship and financial difficulties.

**For your convenience and because of the length of this post, I’ve broken it into sections:

Consult the Lord, Speak over your situation by faith, Support faith with action, Believing and Speaking God’s word + Faith + Action = Supernatural Results, Conclusion, Things to Remember

I’m experiencing financial hardship and difficulties; what should I do?

Consult the Lord

Do not be anxious about anything, but in everything, by prayer and petition, with thanksgiving, present your requests to God (Philippians 4:6).

financial difficultyDuring a financial hardship crisis, one of the first things we have a habit of doing is operating under fear, worry, anxiety, depression and frustration.  Although this seems like a logical response, the Bible instructs us to give our worries, cares and financial burdens to the Lord.  1 Peter 5:7 says, “Give all your worries and cares to God, for he cares about you.”   God cares about you – yes you!

God even cares about your prosperity.  Psalms 35:27 states the Lord takes pleasure in the prosperity of His people.  God wants to prosper you.  He even says in his word that “those who seek [Him] will lack no good thing (Psalms 34:10) and He shall supply all our needs according to His riches in glory (Philippians 4:19).  God not only wants all your worries, but He also wants to care for you, prosper you, hold no good thing from you and supply all your needs according to His riches in glory.

Consult the Lord first and tell Him your financial hardship.  God wants to be involved in everything – even your finances.  If God wants to be involved, let Him.  Consult the Lord about your debts, bills and other financial obligations;  how can God help you if you never turn to Him?  Remember God owns every financial resource on this earth.  Pray and ask for clear instruction regarding your finances; and He will guide you.

Speak over Financial Hardship by Faith

Instead of speaking negatively and mediating on the negative effects of a recession, I encourage you to speak by faith (over your finances).  What is it you want God to do for you?  Speak out by faith what you’re believing God to do on your behalf (with the support of scripture).

There’s power in our words and there’s power in speaking the Word of God .  The bible states, “death and life are in the power of the tongue and they that love it shall eat the fruit thereof” (Proverbs 18:21).  Speak financial blessings, prosperity and wealth – even when your circumstances look the complete opposite of what you’re speaking and believing God for.  In addition to speaking, have faith and believe in God’s ability to do what you’re asking of Him.  Without the two, expect no results.

Here are a few examples of one speaking faith during financial hardship:

Hardship Scenario #1: Home Foreclosure: Response: “Father, I thank you Lord that you shall supply all my needs according to your riches in glory by Christ Jesus (Philippians 4:19).  I thank you Lord that you will work things out in my favor.  I may not understand all that’s happening in my life, but Lord I trust you.  I thank you Lord for the bigger and better house you have for me with my name on it.  I thank you Lord that this is only temporary and that you’re working things out for my good.

Hardship Scenario #2: Lack of funds to pay bill(s): Response: Father, I thank you that this bill will be paid off in Jesus name.  I thank you that I have more than enough money to not only pay this bill, but all my other bills as well.  I thank you Lord that those who seek the Lord will lack no good thing (Psalms 34:9-10).  I thank you that I lack no good thing – having more than enough to take care of all my needs and bless someone else too.  Thank you Lord that the wealth of the wicked is laid up for the righteous (Proverbs 13: 22).  I praise you in advance for financial increase and favor.

Hardship Scenario #3: Laid off from work: “Heavenly father, I thank you for blessing me with a better job that’s paying double the salary I had before. I thank you Lord that it is “[you] that gives [me] the ability to produce wealth” (Deuteronomy 8:18). I thank you Lord for favor, promotions and financial increase in Jesus name.”

By doing this, what are you doing?

  1. You’re acknowledging that God’s word supersedes everything – the recession, your bills, collections/repossession notices, bank statements, unpaid bills and etc.
  2. You’re making a decision to believe God over your circumstances.
  3. Putting into the atmosphere the word of God and His decrees.
  4. Speaking out by faith what is not as though it was.  Calling things to be as though they were.  Why? Because “faith is the substance of things hoped for, the evidence of things not seen” (Hebrews 11:1). Simply stated: your faith and ability to trust and believe in God will cause supernatural things to happen.

Support Faith with Action

When we speak the word of God over our situation does this mean to do nothing? No; The Bible says that faith without words is dead (James 2:20).  Meaning that you need to put action into what you’re believing God for.  A biblical example of faith in action would be the story of Abraham and Isaac:

“Don’t you remember that our ancestor Abraham was shown to be right with God by his actions when he offered his son Isaac on the altar? 22 You see, his faith and his actions worked together. His actions made his faith complete. 23 And so it happened just as the Scriptures say: “Abraham believed God, and God counted him as righteous because of his faith.”He was even called the friend of God. 24 So you see, we are shown to be right with God by what we do, not by faith alone” James 2:21-24.

As we see with the story of Abraham and Isaac, it’s not enough to just speak the word of God with no action behind your faith (anybody can do that).  You have to speak, believe, have faith and support your faith with action.

Because faith and action works together you must not only speak over your situation but do something as well.  Let’s look at two practical examples of faith in action:

1. Laid off and now your believing God for a high paying career:

Action(s) you may consider taking is: actively seeking  employment, going to school, improving and strengthening job skills, enrolling in job training seminars and etc.

2. In debt and believing God to make you debt free:

Action(s) you may consider taking it: money management budgeting (shopping on a budget), not spending more than you earn, using credit cards for emergencies only and etc.   What are you doing?  You’re showing God that you can be a good steward over your finances.  Why should God deliver you from debt if you’ll only continue to use your money unwisely?

**Side note: You cannot expect God to bless you financially if you’re not tithing; by not tithing, you are robbing from God.

Believing and Speaking God’s word + Faith + Action = Supernatural Results

In my own life, I have witness God move favorably on my behalf where finances are concerned.  God supplied the funds needed for me to go to college when I didn’t have the money and wasn’t eligible for financial aid.

During times of hardship when I didn’t have money to pay a bill I’ve witness God do the supernatural.  I’ve witness God make strange things happen that resulted in companies having to credit my bill instead of me paying them.

When you tithe, believe, speak over financial hardship ( bills, debt, lack of funds and etc) have faith and support your faith with action, God has shown me that He’ll take care of His people.

Does this mean I’ll never have financial concerns ever again? No;  but because God has shown me His helping hand I turn to Him whenever I’m concerned, nervous and experiencing financial hardship.


I want to encourage you today.  You may be experiencing financial difficulties but hold on and keep the faith.  Continue to speak over your finances using scripture.  Speak over your bills.  Speak over your debt.  Speak over your retirement funds.  Speak over your house.  Speak by faith over any and every hardship in the name of Jesus.  Jesus said that if you ask anything in His name He will do it (John 14: 14); ask and you will receive (John 16:24).  Just as a parent desires their child to ask them for help – the same is for our Heavenly father.  (Note:  God is not a genie.)

While decreeing and declaring, ask the Lord to move favorably on your behalf.  There will be times when you will feel weird and awkward decreeing and declaring God’s promises over debt and finances because you don’t see (with your earthy eyes) whats happening in the spiritual realm, but remember that we walk by faith and not by sight (2 Corinthians 5:7).  I encourage you to read radical faith – believing God for the impossible.

Be encouraged!  Don’t be weary, nervous, depressed or fearful (as God hasn’t given you the spirit of fear but power, love and a sound mind – 2 Timothy 1:7).  Know that even during an economic hardship God will sustain you. God did not make you (nor bring you this far) just to leave you.  For He cares for you, carries you in his hands and will save you.

Finial Words of Encouragement regarding Financial Hardship

Be encouraged and blessed. Remember to give your worries and hardships to the Lord because there’s nothing too hard for God- financial hardship, debt, foreclosures, money, NOTHING!

Pray even when it feels like God isn’t listening (because He is).  Know that before the foundations of the world, God already made provisions for you.  Your now doesn’t dictate your tomorrow.

Speak over finances and make a decision to believe God; not your job, money, or situation.  May God bless you, give you strength, favor and financial increase in Jesus name; Amen.

Important Things to Remember

  1. Consult the Lord regarding your financial hardship and debt.
  2. Speak by faith over your finances, bills, 401k, retirement funds and etc.
  3. Faith and action works together.  Speak, believe, have faith and support your faith with action.
  4. Know that you’re not alone – God is with you and wants you to help.  Bring your request and petitions to Him.
  5. In times of disaster (recession, financial hardship, etc) you will not wither; in days of famine (lack) you will enjoy plenty (Psalms 37:19).
  6. Last but certainly not least: you cannot expect God to bless you financially and lift financial burdens if you’re not tithing.  By choosing not to tithe you are robbing from God.  Read (Malachi 3:8-9)

Need Help with Your Personal Finances? is a great site for Christians seeking financial and debt help.  Below are a few links from the site I believe will help you as it applies to this post:

  • Bible and Money – Biblical scriptures on money
  • Debt and Tithing – Should you pay your tithes if your trying to get out of debt?
  • Getting out of debt – Read articles from a Christian prospective and learn techniques and ways to get out of debt.

Disclaimer: I am not a financial advisor nor do I give professional debt advice/help; however, I am a Christian and offer words of encouragement for those who are experiencing a financial crisis; therefore for professional assistance consult with a professional financial advisor. This post is for informational purposes only.

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{ 18 comments… read them below or add one }

Chris March 23, 2010 at 4:35 pm

I just want you to know how much your article helped me personally. It’s no secret that everyone is going through some hard times right now. And we need God more than ever. You are spot on with everything you said. And I’m thankful that God brought me to your post.

My wife and I are hopeful that God continues to bless us through these hard times and help our tv framing company grow.

Thanks so much,

Flatscreen Framing
TV Frame



Naquan March 23, 2010 at 6:36 pm

Hi Chris,

To God be all the glory. Indeed, we do need God more than ever and I am blessed that you were blessed by the post. I pray that God prospers you, your wife and your business in Jesus name.

Remember that Christ literally has and owns every resource you will ever need. Continue to place your trust in Him and watch what the Lord does in your life.

God bless you my brother in Jesus name.



Sandy April 7, 2010 at 6:05 pm

I am a christian women that is going through a financial crisis. I am in great need of $1000. I have had some misfortunes recently that has put me in dire need. The stress has been over whelming. Any help will be deeply appreciated. God Bless and thank you for your consideration. My bank account is in the red.



Naquan April 7, 2010 at 7:18 pm

Hello my sister in Christ,

Although my only source of help is prayer, do not minimize the power of it. God has shown Himself to move and change things around when you go before Him in prayer and make your request known to Him.

Before I proceed with prayer, here are a few things I would do to come up with some money. Hopefully, there will be something that will be a blessing to you:

1) Consider selling things you no longer use or desire on It’s a great way to make some extra money. I have used and it’s safe and free to sign up. Learn how to sell on ebay here.

2) If you’re not comfortable with ebay, I would recommend posting ads on and even having a yard sale.

3) If you have a church home, talk to the pastor or someone whom you trust in the church and see if the church can help you get back on your feet.

** has an article on 23 ways to make money. I recommend you take a look at it. I’m sure it will be a blessing to you.

Say this prayer with me:

Heavenly Father I come before you asking that you bless Sandy. Lord she’s in need of a financial blessing and your word says that you give the power of receive wealth. So God I pray in Jesus name that you reveal to her that thing that will produce that wealth.

Lord, you said that instead of worrying to come before you in prayer and to make our request known to you. Lord, my request is that you will open a window of opportunity for Sandy to make more than enough money to pay her bills, tithe and to give.

Touch her Lord and if there be any worry in her heart Lord I ask that you give her your peace which trendsends all understanding. Give her peace, joy and rest in you during this season.

Lord I thank you in advance for the blessings that you will preform in Sandy’s life. I speak into it right now peace and prosperity in Jesus name and we give your name all the glory, honor and praise in advance. In Jesus name, we pray…Amen.

God bless you Sandy. Remember you serve a God who can do all things. Pray, believe and have faith in God to do the impossible in your life. God bless you in Jesus name.



Marc Murillo September 5, 2010 at 3:54 pm

While I appreciate you praying for people; I want to ask that you be careful and not steer people in the wrong direction. I sense you yourself are caught in the doctrine of wealth and health. While I do believe in the True Prosperity Gospel (Jesus Christ), I have to share that God has already prospered us in Jesus Christ and the cross of Calvary.

Anyone reading, my prayer is that you would so cling to the cross and stand upon the promises of God; remembering that He is sovereign and faithful.

The Lord caused the Israelites to go hungry, in order that He may test them to see if they would obey and follow Him or not…

“Blessed is he who endures temptation, for afterwards he shall receive the crown of life, which God has promised to those who love Him” (James 1:12).



Naquan September 5, 2010 at 7:28 pm

Hi Marc,

As a God fearing Christian, I am very careful not to steer people in the wrong direction. I too believe in the true prosperity of the gospel (Jesus Christ) and know that God will at times put us in situations to test us and strengthen us in Him.

I am not one who is caught up on the doctrine of wealth and prosperity. At the end of the day, wealth and millions of dollars is NOT going to get me into Heaven. It’s my obedience to God’s will for my life that will get me there.

This article was written to encourage those who struggle financially…not to promote nor teach prosperity. I pray that this clears things up for you and others who may read this.



Hennely February 8, 2011 at 11:27 pm

God has given you a beautiful spirit! It’s so great how you take the time out to help others and pray with others :) This article was really great. During these hardships are the times when the Lord really reveals himself, for he is developing you, like a potter molds his clay, into something that only He has envisioned. It was so great to come across this and be reminded again how ANYTHING is possible in His name if you truly believe!
God bless you and your great articles!!



Paul Babu March 19, 2011 at 1:39 am

I am Paul from India.I committed my life for Christ and doing ministry in different parts of our state.kindly pray for our ministry. we too pray for you.
may God bless u



Vinzei October 9, 2011 at 6:59 pm

hello I read your article and I think you’re blog will be one of the bests if you keep up the good work!



Ndoza November 18, 2011 at 8:20 am

God is great my brother, i was on a blink of giving up as i have +-4 years in debt. I have always kept the faith, but sometimes its hard and i just fell like giving up.I do admit that I am the cause of the problem due to my decision taking.But I have learnt my lessons and I wish Jesus can intervene and help me out.
thank you for these posts.
please pray for me as well.



Sharita i November 30, 2011 at 3:31 am

Let me start by saying, to God be the glory!
I am so blessed to have come across your site, I needed agreeance in the circumstance I am in right now. Being a member in the body of Christ you definitely need your brothers and sisters in Christ. Thank you so much for your transperancy and wisdom. I know that God is able and he won’t fail. May God bless you in your ministry to continue to minister and serve his people. God bless you man of God!



Jake December 5, 2011 at 8:48 pm


You said :
I am not one who is caught up on the doctrine of wealth and prosperity. At the end of the day, wealth and millions of dollars is NOT going to get me into Heaven. It’s my obedience to God’s will for my life that will get me there.

I just want to clear up something about that last sentence. If, when you said “obedience to God’s will for my life” your intent was to include the descision to accept Jesus as your savior, then, I take no issue with that statement. You sound like a well studied & devout Christian, & I don’t doubt that you know the scripture :

For God so loved the world that He gave His only begotten son, that whosoever believeth in Him shall not perish, but have everlasting life.
- John 3:16

My concern is that other readers do not get confused about salvation. Doing God’s will, keeping his commandments, & doing our best to avoid sin are all ways to find favor with God, & He blesses us for living in such a way, but it is not what gets you into Heaven. The salvation of our souls, paid for with the blood of Jesus, God’s only son. That is the way to Heaven. To repent of our sins, accept Christ as Savior, & to ask Him into our lives & hearts. This is the only way to everlasting life. It is not something that can be earned. Jesus already did that.

Ephesians 2:8 For it is by grace you have been saved, through faith—and this is not from yourselves, it is the gift of God— 9 not by works, so that no one can boast.

John 14:6 – Jesus answered, “I am the way and the truth and the life. No one cometh unto the Father but by me.

Doing good deeds & living a righteous life, while honorable, admirable, and blessed, do not get you into heaven. Only the salvation of Jesus can do that.

- Jake



Jake December 5, 2011 at 10:11 pm

….Also, Naquan, thank you for writing this article. I found it very helpful & uplifting.

- Jake



Brandy February 9, 2012 at 10:15 pm

I am writing because my husband and I have large credit card debt and recently with my work being slow have fallen behind in our payments. I have looked in my area for work and nothing is available for me. I have had two neck surgeries and lost 3 jobs because of my work restrictions. I am a hard worker and own my own business. Business has slowed over the last 7 months for me, so we have relied on credit cards sometimes even to pay our own bills. I have put my trust into the LORD but my husband is not on the same page. How can I stay positive in the LORD’s word when the negativity surrounds him. What can I say to him to help him realize that no matter what it is God’s will not ours. Please help me



Roxanne Gomez October 9, 2014 at 5:40 pm

I want to send a personal THANK YOU to the Lord for bringing me to your website. I have fallen into a deep financial hardship and had been praying and praying, but felt doubt, fear, anxiety and a loss of faith. I then began praying for an answer, a sign, began asking God for guidance. After reading this page, I have now realized that He brought me hear to understand the reasons why I may have been praying for the wrong things, not abiding faithfully and expecting without giving or supporting my faith with actions. I really needed to read this today and I have truly felt an emotional feeling of hope. I felt His presence today, I felt encouragement, I felt relief!! I know my situation may not be fixed over night, but if I just continue to believe and back up my faith by my own actions, things will turn around. I give God my worries from this moment further, I give Him my anxiety and fear of the unknown. I thank Him for this wonderful feeling of relief. I physically felt the bricks lift off my shoulders today and I know this is His doing. I know now that I must thank Him in advance for all the wonderful things He will bring to my life and for the financial freedom He WILL provide, I just need to believe, be thankful and be patient, as this IS HIS WILL!! The Holy Spirit has moved me today, thank you for having this webpage available for those in need of guidance like myself. You are truly a blessing. May God bless you in a very special way my friend in Christ.



Eris King October 15, 2014 at 4:55 pm

Greetings, in the name of our Lord & Savior, Jesus Christ,
Naquan, I was greatly encouraged and blessed by your article titled, “Examples of One Speaking Faith during Financial Hardships”, so much so, that I shared it with someone else who was suffering financially. However, in one of your views, you stated that ‘you cannot expect God to bless you financially and lift financial burdens if you’re not tithing’. Conversely, your statement confounded me because we all know that there are lots of people in the world who do not believe in God and Jesus Christ, including, tithing – wanting absolutely NOTHING to do with God’s Word or the church, yet, many of them prosper financially. Additionally, many unbelievers succeed at winning million-dollar-lottery jack pots or earning massive amounts of money through lucrative businesses or via other avenues. So how is it that many of those who reject God and His Word are wealthy, but those in Christ who fail to tithe cannot expect God’s financial blessings or their financial burdens to be lifted? Please help me understand this paradoxical effect. Nevertheless, thank you for this encouraging message. There were many wonderful truths in your article that totally hit home concerning some of my own adversities which truly blessed me.
With thanks and appreciation,
Mrs. King



Princess77 December 2, 2014 at 10:27 pm

This is a powerful word!! So well written. Thank you for blessing me in my financial distress. Where do you fellowship? I wondered if you were someone I heard about in the LA area.



jonanthony December 17, 2014 at 1:51 am

I lost my leg in 2013 due to diabetes and I was forced on a disability I m the single father of two . I get by on a prayer every month .if I do pay all my bills I have nothing left for food or gas so I juggle my bills every month . I always pay my rent and electric and heat . I know god has a plan for me and I am always grateful to get by every month


Naquan Reply:

Thank you John for sharing. I pray that God will continue to supply your needs according to His riches and glory.



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