Prayer to Get Out of Debt Fast (and the Practical Steps to Make It Happen)
Let me guess—you’re here because you need a miracle. Maybe the bills are stacking up in an ominous little paper Jenga tower on your kitchen table. Maybe your credit card statement made you audibly gasp. Whatever brought you to this moment, I want you to take a deep breath. You’re not alone, and you’re not doomed. Debt is just math wrapped in emotion, and guess what? Both can be untangled.
Does Prayer Really Help with Debt?
Look, I’m not here to tell you that if you just close your eyes and wish hard enough, your debt will vanish in a puff of divine intervention. If that worked, I’d be writing this from my beach house in Tahiti. But I’m also not here to laugh off the power of prayer—or, more specifically, the power of setting an intention.
A prayer to get out of debt fast isn’t about asking for a winning lottery ticket (though, hey, I wouldn’t turn one down, either). It’s about clarity. It’s about asking for wisdom and discipline. It’s about shifting your mindset from “I’m drowning” to “I have a plan.” And trust me, a plan is exactly what we’re going to build—one that actually works.
Step One: Get Real with Your Numbers (No Shame Allowed)
If money stress has you waking up at 3 a.m. in a cold sweat, I need you to promise me something. No more financial ostrich behavior. Pull your head out of the sand and take a look at exactly what’s going on. Log into your accounts, write down every balance, every interest rate, every minimum payment.
Yes, it’s scary. But it’s also temporary. Avoiding it only makes the monster under the bed bigger than it actually is.
Step Two: Track Your Spending for One Month
Now, this is where most financial advice goes off the rails. “Make a budget!” they chirp. But listen, strict budgets are like crash diets. They work for about three days before you get frustrated and devour an entire cake (or, in this case, swipe your card for an impulse buy).
Instead, I want you to simply track your spending for one month—every dollar, no judgment. I don’t care if you buy 14 lattes. I just want you to see where your money is actually going. Because here’s the real secret: We can’t create a workable plan until we tell the truth about where the money already likes to go.
Step Three: Build a Spending Plan That Works for You
Once you’ve tracked your spending, you’ll start to notice some patterns. Maybe you’re spending more on takeout than you realized. Maybe your streaming services are quietly siphoning your bank account. Whatever it is, now you can make smart adjustments. Not by cutting everything fun (that’s a one-way ticket to burnout) but by making sure your money is working for you.
Your spending plan should reflect your real life—yes, even the fun, messy, and unpredictable parts.
Step Four: The Fastest Way to Pay Off Debt
Now, let’s hit the gas pedal. You want out of debt fast? You need to increase the gap between what you earn and what you spend.
- Can you bring in extra income? A side gig, a freelance project, selling that elliptical collecting dust in the garage?
- Can you cut back on non-essentials (but in a way that doesn’t make you miserable)?
- Can you negotiate lower interest rates or transfer a balance to a lower-rate card?
Pick one or all of the above, and throw every extra dollar at your debt. Start with the highest-interest ones first (that’s called the avalanche method) or the smallest ones first for quick wins (snowball method). Either way, momentum is your best friend.
FAQs: The Stuff Everyone Asks
What’s the best prayer to get out of debt?
Try this: “Grant me wisdom in how I handle my money, discipline to follow through, and opportunities to increase my income. Help me make decisions today that put me on the path to financial freedom.” Then, take action.
Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.
Will my credit score suffer if I aggressively pay off debt?
Not in the long term. In fact, your credit score will probably improve as your balances go down. Just keep a few older accounts open to maintain a solid history.
Should I get a consolidation loan?
Maybe. Some are great, some are traps. Read the fine print—if the interest rate isn’t significantly better, or if it stretches your payments out so long that you pay more in the end, skip it.
Your Next Step: Keep Going
Debt isn’t just about numbers—it’s about mindset, habits, and, yes, sometimes a little divine intervention (or at least a well-timed side hustle). You’re not stuck. You’re just in the messy middle, and you’ve got what it takes to turn things around.
If this resonated with you, make sure to subscribe to my newsletter for more no-nonsense, shame-free money guidance. And if you like hearing real stories from people who’ve been in the trenches, check out the Get Out of Debt Guy podcast. I promise, no boring lectures—just real talk, real solutions, and maybe a chuckle or two along the way.
You’ve got this. And I’m cheering for you.
