We are truly sorry to hear about the financial burdens you are facing and we are here to pray with you and provide biblical guidance. Firstly, we want to remind you that God cares about every aspect of your life, including your finances. It is important to acknowledge and understand God's promises in this area. Jesus Christ said, Therefore I tell you, don't be anxious for your life, what you will eat, nor yet for your body, what you will wear. Life is more than food, and the body is more than clothing. Consider the ravens: they don't sow, they don't reap, they don't gather into barns; and God feeds them. How much more valuable are you than birds! Luke 12:22-24 WEB.
We also want to address the personal choices that have led to these struggles. It is very important to acknowledge the mistakes. It is equally important to change the behavior that caused them. Be not deceived. God is not mocked, for whatever a man sows, that will he also reap. Galatians 6:7 WEB. Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law. Romans 13:8 WEB. Also, remember it is the borrower who is the slave of the lender, and we serve a God who wants us to be free from all bondage. Proverbs 22:7 WEB.
There are several biblical principles that can help you manage your finances better. First, learn to be content with what you have.
Let your way of life be free from the love of money, being content with what you have, for he said, I will in no way leave you, neither will I in any way forsake you. Hebrews 13:5 WEB.
Second, be a wise steward of your resources.
He who is faithful in a very little is faithful also in much. He who is dishonest in a very little is also dishonest in much. Therefore if you have not been faithful in the unrighteous mammon, who will commit to your trust the true riches? Luke 16:10-11 WEB.
Third, save for the future.
Go to the ant, you sluggard; consider her ways, and be wise: who, having no guide, overseer, or ruler, provides her bread in the summer, and gathers her food in the harvest. Proverbs 6:6-8 WEB.
Fourth, avoid impulsive spending. It is wise to plan and budget your expenses.
For which of you, desiring to build a tower, doesn't first sit down and count the cost, to see if he has enough to complete it? Luke 14:28 WEB.
Finally, seek God's kingdom first, and trust that He will provide for your needs.
But seek first God's Kingdom, and his righteousness; and all these things will be given to you as well. Matthew 6:33 WEB.
Let's pray together.
Heavenly Father, we come before you, lifting up our fellow believer who is struggling with financial debt. We ask for your forgiveness for any past mistakes and for your guidance in making wise financial decisions moving forward. We pray for your provision, that all needs will be met, and that there will be enough to save for the future. We ask that you help to curb any desires for impulsive spending and to break the bondage of poverty and lack. We pray for healing from the work-related injury and for opportunities to love and serve others even in the midst of financial challenges as a good steward. Help in rebuilding and learning to trust in you. We pray for a godly spouse to help with the finances and for a restored relationship. We ask this in Jesus' name. Amen.
Now, it is important to note that all prayers should be directed to God the Father in the name of Jesus Christ, His Son. For through him we both have our access in one Spirit to the Father. Ephesians 2:18 WEB. There is salvation in no one else, for there is no other name under heaven given to people by which we must be saved. Acts 4:12 WEB.
Lastly, we want to encourage you to be transparent about your struggles with trusted members of your local church. They can provide practical help and support as you navigate this challenging time. Do not be ashamed about mistakes. God is more concerned about where you are going than where you have been.
Prayer Focus: God, Thank You. Thank You for loving me. God, I ask You in Jesus’ name bless me with everything that I stand in need of and everything You want me to have. Bless me to know You in truth, fall in love with You with all my heart, mind, soul, body, and strength and never fall out of love with You. Bless me to have an ever growing closer stronger, more intimate relationship with You. Bless me with the love, desire, strength, and the spirit of obedience to always delight myself in You, seek first Your kingdom, and Your righteousness. Help and strengthen me God to always respect and obey You. Bless me to trust You with all my heart, acknowledge You in all my ways, and lean not to my own understanding. 
