How can I buy a car without going into debt?Note, this article is part of a topical study series.
Greetings dear friend:
Concerning purchasing a "newer vehicle," these are just some thoughts to consider, that have worked for us. Some are spiritual, based upon some scripture or scriptural principle and some are just either common sense or personal preference.
"Let your conversation be without covetousness;
"be content with such things as ye have..."
Contentment with what God has already provided is essential. Without it there will be a natural tendency to "covet" something newer, better, etc. Be content with the 'ole Honda," the Lord may have you keep it till 300,000 miles!
"In every thing give thanks:"in EVERYTHING give thanks for this is the will of God, in Christ Jesus concerning you."
for this is the will of God in Christ Jesus concerning you."
I Thessalonians 5:18
Not only should we be content, but we should thank God for what He has so graciously provided for us. A heart filled with thanksgiving for present possessions will be less inclined to covet things newer, fancier, or more in fashion.
"And he said unto them,
"Take heed and beware of covetousness..."
"Let your manner of life be without covetousness..." Be on constant guard against this sin of the heart. Being content and being thankful will help - but - never let your guard down. Take heed! Beware!
If it appears to be a genuine need, ASK your Father in heaven who knows better than what we do, what we really need. He is our Father! He knows how, and delights to give good things to His children.
In light of the story God told to illustrate how we should pray (Luke 11: 5-8), I believe He is saying in vv 9-10 "...Ask (and keep on persistently asking...)". So, in response to this principle I would have a Daily Prayer List in my notebook. I would write this request down, remind God of it daily, until He answers or tells me no.
"The rich ruleth over the poor,
and the borrower is servant to the lender."
"Then saith Jesus unto him,
"No man can serve two masters:
Desiring to be a servant to Him only and never be a servant of a lender and thereby become a servant of two masters, we are careful to never even entertain the thought of incurring debt. This being true, we must determine how much money we have to be used in the purchase.
This is what we do. We take an envelope, write on it, for example "New Car," and begin to lay aside money. Each month we are careful to first honor the Lord with our first fruits, next to pay our bills, then we ask God to give us the wherewithal to lay aside at least a little each month that will be used in the purchase (the same thing can be accomplished with a savings or checking account if the money can be designated for "New Car."). If you do this, as you shop around looking for vehicles, you will always know which ones are within the will of God for you to consider...the ones that are within your price range. If the Lord wills, as each month passes, the amount will gradually increase, and the cars within your reach will also increase in value. The next step is to wait upon God to find you a suitable car for the cash you have.
"Be careful for nothing;
Pray! Make your request made known to God - don't be anxious. If it appears that all suitable cars are beyond your reach unless you finance - make your request known to God for more money to use toward a car, or more options within your price range.
"Ah Lord GOD! behold,
"Behold, I am the LORD, the God of all flesh:
If it seems impossible - REMEMBER that God made the whole universe and there is nothing too hard for Him - even this, to find a car for one of His children within his means.
"I wait for the Lord, my soul does wait, And in His word do I hope." (NAS)
"I wait for the LORD, my soul doth wait, and in his word do I hope." (KJV) "The Lord is good to those who wait for Him, To the person who seeks Him. It is good that he waits silently For the salvation of the Lord." (NAS)
"The LORD is good unto them that wait for him, to the soul that seeketh him. It is good that a man should both hope and quietly wait for the salvation of the LORD." (KJV). Ps. 130:5, Lam 3:25-26
Wait upon God to do what he has said, believing that..."...THE LORD IS GOOD to those who wait for him..." & "It is good that a man should... quietly wait... for the salvation of the Lord."
Regarding what practical channels to pursue; We have found that it is much better to buy from an individual rather than a used car dealer. Women generally take better care of their cars and have them serviced regularly. We would ask friends to be on the lookout and also check the papers. . We would TRY to look for a ONE OWNER car.
I hope some of this helps. It should at best stimulate your thinking some.
A fellow servant of Jesus Christ. Romans 11:36