Reading Mac's book Whose Money is it anyway? he makes lots of good arguments against debt and consumeristic spending. People buying cars, ipods, iphones, houses, and the like they cannot afford are all in bondage to debt. Sadly I also am in bondage to debt due to stupid and foolish mistakes I made in 2001 by taking on massive student loans I could never pay back. I was ignorant then and have reaped the consequences. However in the last 6 months I have spent 3 months unemployed and have incurred some new credit card debt to pay for things such as car repairs, medical bills, and the like. Mac does not condemn all use of credit cards (unlike Dave Ramsey) but simply unwise use. For those in a situation like mine he would probably argue its best to SAVE what you can so you will not rely on debt. Since I got a job recently I am going to SAVE what I can and pay min on my debts until I get enough saved. I am told I am doing well so far, and I have been working OT everyday, so Lord willing it will work out. But encase it does not, its good to have a savings for backup, so if I were to become unemployed I will not rely on credit cards. I will do everything I can which includes working OT, doing the best of my ability, showing up on time, and having a good attitude. However sometimes that is not enough. So what do you say are all forms of debt forbidden in the bible? Ramsey seems to condemn those that pay off their cards each month in full which I think is not Biblical.