Develop a principle of saving. Hidden debts throughout the year could crush you and send you spiralling back into debt. The discipline of saving will prepare you for the future. Start by saving a little every month. Even if you first instalment is as a little as £5, as time goes on this can increase.
The practise of saving is important, but remember if you are in debt paying off your creditors is the first priority.
Keeping up with the Jones'
It may seem that you have taken a step down the financial ladder, but to accept God's provision is better than living a lie, pretending to have something that you do not have.
‘If anyone wishes to come after Me, let him deny himself, and take up his cross daily’, Luke 9:23.