In reality, we all occasionally find ourselves with too much month left at the end our the money. He measures our attitude toward money. Many Christians have left their ministry because of debt or discontent, for where your treasure is, there will your heart be also. Although an obligation paid on time is not forbidden in Scripture, the root cause of most debt is the sin of covetousness. Realistically, financial obligations are sometimes unavoidable.
Few people can afford to pay cash for a home.
Some people must borrow money for a car. The smartest way to borrow is to borrow money from your own savings account and then pay yourself back at a high interest rate. If that is impossible, at least be certain you do not overcommit. Avoid using credit cards unless you have the money in the bank to pay for the purchases, and are using the card for convenience. I always use the grace period offered by the credit card company, then I pay the balance off in full each month, thus paying no interest.