I have written eleven clear principles that will keep you in debt and closely involve you with a spirit of poverty. This being satirical, I am hoping you are not following any of these principles!

1. Always spend more than you take in monthly. Keep it up so that for the year you have spent more than you have made.
2. Do not tithe and refrain from giving to those in need.
3. Go hard and go often for more and more things to possess. Fill your garage, your basement and your shed.
4. Never operate with a budget so you will never have to keep track of expenses.
5. Keep a large credit card balance and when the monthly bill comes pay only the minimum.
6. Do not start or maintain a savings account.
7. Purchase your furniture, your TV’s, your cars, your boat and your family vacations with the help of a personal, high interest bank loan.
8. Watch what your neighbors purchase and do your best to stay one-step ahead of them. If they buy a Toyota car, go for a Lexus or a Mercedes.
9. Never keep track of your insignificant purchases. Tell yourself that this is just miscellaneous spending that simply doesn’t amount to much.
10. Make regular use of, “Loans to Payday” or “Title Loan” offers and have a contest to see who can pay the highest amount of interest.
11. Never be accountable with your money, it’s yours.

Solomon, wisely wrote: Choose my instruction instead of silver, knowledge rather than choice gold, wisdom is more precious than rubies…With me are riches and honor, enduring wealth and prosperity. My fruit is better than fine gold; what I yield surpasses choice silver. (Proverbs 8) One man gives freely, yet gains even more…a generous man will prosper…whoever trusts in his riches will fall… (Proverbs 11) The borrower is servant to the lender… (Proverbs 22)