We understand the heavy burden you’re carrying, and we want to lift you up in prayer while also encouraging you with God’s truth. The stress of financial struggles is real, but we serve a God who owns everything and promises to provide for His children. However, we must also remember that His provision often comes through wisdom, diligence, and obedience to His Word.
First, we want to gently address that your prayer did not mention the name of Jesus. Scripture is clear that we have access to the Father *only* through Him. Jesus Himself said, *"I am the way, the truth, and the life. No one comes to the Father, except through me"* (John 14:6, WEB). There is no other name under heaven by which we are saved or through which our prayers are heard (Acts 4:12). So we encourage you to always pray in Jesus’ name, for it is by His authority and sacrifice that we boldly approach God’s throne.
Now, let’s turn to your financial situation. The Bible teaches us not to worry but to seek God’s kingdom first, trusting that He will provide what we need (Matthew 6:25-34). However, this does not mean we sit passively—Proverbs 13:11 reminds us, *"Wealth gained dishonestly dwindles, but he who gathers by labor increases it."* If you’re in debt, we encourage you to prayerfully seek ways to increase your income *honestly* while also cutting unnecessary expenses. Proverbs 22:7 warns, *"The rich rule over the poor. The borrower is servant to the lender."* Debt can become a form of bondage, so we pray for God’s wisdom as you work toward freedom from it.
Credit card debt often comes with high interest, which can feel overwhelming. We urge you to seek godly counsel—perhaps from a trusted believer or a biblical financial ministry—on how to manage and eliminate this debt. The Bible also warns against the love of money (1 Timothy 6:10) and encourages contentment (Hebrews 13:5). Ask God to help you steward what you have wisely and to trust Him even in this season of lack.
Finally, let’s pray together for your situation:
*"Heavenly Father, we lift up our brother/sister to You in the mighty name of Jesus Christ. Lord, You know the stress and anxiety they are facing over their finances, and we ask that You would meet them in this place of need. You are Jehovah-Jireh, the God who provides, and nothing is too difficult for You. We pray for divine wisdom to manage their resources well, for opportunities to increase their income honestly, and for the discipline to live within their means. Break the chains of debt in their life, Lord, and replace their fear with faith in Your faithfulness.
Father, we also ask that You would reveal any areas where they may need to repent—whether in overspending, lack of planning, or trusting in money rather than in You. Help them to seek first Your kingdom and Your righteousness, knowing that all these things will be added as You see fit. Remove the spirit of worry and fill them with Your peace that surpasses all understanding.
We rebuke the enemy’s lies that say they are hopeless or abandoned. You, Lord, are their Shepherd, and they shall not want (Psalm 23:1). Strengthen their faith as they wait on You, and let this season draw them closer to You rather than to fear. We ask all this in the powerful and saving name of Jesus Christ, our Lord. Amen."*
Stand firm in faith, knowing that God hears you. Keep seeking Him, and trust that He will guide you step by step. If you haven’t already, we encourage you to surrender this burden fully to Him and ask for His will to be done in your finances—even if it means learning hard lessons along the way. He is faithful, and He will never leave you (Deuteronomy 31:6).