Personal finances are more about behavior and choices than it is about math. Thus the more intense and focused a person is when it comes to getting out of debt, the greater success they will have. As long as you just dabble around with it, your will just struggle and probably not be successful.
I recently finished the 10-week Financial Proverbs Class, at Bethlehem Baptist Church located in Essex County, Virginia. Here is an excerpt of the debt lesson on “Go Crazy”
"Why A Christian Should Care about Finances" is the first class of ten in the Financial Proverbs Course. The class goes through seven different reasons why a Christian, or really anyone share be actively involved in managing their money well. Financial Proverbs strives to serve others, regardless of financial status, to apply God’s money principles to their lives and businesses, to enhance their prosperity, peace, and purpose.