Lord, I need help. My debt is mounting higher and higher; it’s getting out of control. Please show me creative ways to pay it off, and help me to save and spend with wisdom. I ask for the resources to pay down my credit cards, loans, and other debts. Show me where I can cut back on spending so I will have more funds available. Lord, please clean up this mess I’ve created. Reveal to me ways I can learn from this and begin again.