An excellent post! It starts with the parents and it grows from there! These days they falsely advertise "Easy Loans", but no loan is easy when you are in debt! It is only a trap to dunk you further! We are also living very close to debt free, own our small house, own our small car and have zero accounts. The motto is, if you can't pay cash for it, you don't need it. And if you need it save up for it! I have yesterday, Sunday, ended a 16 year free preaching stint in a Johannesburg circuit and had many an argument with my colleagues about financial income. My view is get a job and preach for free. To cut a long story short, I admire the fact that you mention God in your life! May you and your family continue to be blessed! Upvoted!
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I admire the fact you chose not to be a hireling.