22 September: Free Credit

When the awful realisation hits, and we find that we have a debt that can’t be repaid, most of us would jump at the chance of free credit…

READ ROMANS 4  Make notes, if you’d like, of what stands out for you. Feel free to use the “Leave a Comment” box below to also write some of your thoughts.


When my husband began earning money, his Dad told him, “There’s two halves to this world: the half who lend money and half who borrow it. One half lives off the other half, so which half do you want to be in?” It was one of those “life questions” that didn’t require an answer but instead, a life time of action. Mark, brought this philosophy to our marriage, instilling it into our children. But there’s one place where I’m submerged in debt and I can’t dig myself out! In dire straits, I’m bankrupt and unable to “wipe my own slate clean”. It’s the debt on my account that I hold with my Maker: the account of the life that He gave to me.

Although the Bible warns us ahead of time, that nothing will save me on the Day when my debts are called in[a], my Father God has provided me with free credit. The proof of this free debt solution, dates back in HIStory to the day’s of Abraham who, by faith, trusted God and, in response, he was credited with righteousness.[b] In this same way, the Creator God has provided me with the sort of righteousness that leads to LIFE – if only I have faith like Abraham, to believe in my Maker’s promises.

Read more? … CLICK “22 September – Additional Notes”

What about you? Can you tell me what today’s “breadcrumb” is? Leave a note in the “Comments” box below and tell me what you think of today’s chapter.

Finding it hard to speak with the Lord, the Giver of Life? The rest of this webpage uses Jesus’ own prayer to help…[c]


   1.  Praise: “Our Father in Heaven, how great is Your name! Your Kingdom come! Your will be done on earth as it is in Heaven…”

You are my God and I want to exalt and praise Your Name today. For, in perfect faithfulness, You, Lord, have done wonderful things planned for, long ago. [Isaiah 25:1]

   2.  Ask: “…Give us today our daily bread…”

  • The World: God’s Grace to move over Nigeria[d]
  • Your Nation: Over-worked Nurses/Doctors/Teachers
  • Yourself: Good Financial Management
  • Your concern for today
As I pray today, Lord God in whom I praise, please do not be silent. [Psalm 109:1]

   3.  Admit: “…Forgive us our sins, as we forgive those who sin against us…”

Thank-you Father God, for sending Jesus who poured out His ‘blood of the covenant’ for the forgiveness of my sin. [Matthew 26:28]

   4.  Protect: “…Lead us not into temptation but deliver us from the evil one…”

I cry out, “Save me, God my Saviour; gather Your people and deliver us from the nations, that we may give thanks to Your Holy Name, and glory in Your praise. [1 Chronicles 16:35]

“ For Yours Lord is the Kingdom, the Power, and the Glory for ever and ever. Amen”

When questioned, tested, tricked or in His hour of great need, Jesus spoke what was previously written in God’s Word.[e] So, the final section on this page is about memorizing the script through 10 topics. Following these will help you learn 52 portions from the bible in a year! THIS WEEK’S MEMORY VERSE: Topic = A Good Caretaker

“And my God shall supply all your needs, according to the riches of His glory in Christ Jesus.” [Philippians 4:19]

[a] Proverbs 10:16 and Romans 6:23

[b] Genesis 15:6; Romans 4:1-8 (Context: whole chapter)

[c] Matthew 6:5-15

[d] http://www.operationworld.org/country/nigr/owtext.html

[e] Matthew 4:4,6,7,10; 11:10; 21:13; and 26:24,31

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