"The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Proverbs 21:5
Have you made some plans for this coming year? If not, you might be planning poverty. So don't invest in debt - be diligent. Set a goal, and prepare for it. Get the tools needed. Get the support required. Get the resources wanted. Stop putting it off because being poor is absolutely no fund at all. Have an abundant year.
DO THIS: Use this planning tool - Download
PRAYER: God, give me the time to plan diligently. Be in my planning and provide the resources needed.