Staying financially fit

Debt is the biggest financial hurdle you may encounter as you consider missions. But careful planning can help you avoid new debt and pay off existing debt. It begins with creating a budget.

Next, put together a debt reduction plan. At SEND, we use a worksheet to help new missionaries with this process. You can also read this personal story of how one SEND missionary paid down over $33,000 of debt in four years. If you are a college student, look for free money before getting a student loan:

If your income is still short of your expenses, here are some tips for carefully planning your loans. Remember, loans are easy to get and hard to pay off.

Remember, you are responsible to pay back everything you owe. Careful planning could save you a lot of time and money. For more help on reducing debt, check out these great resources:

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