Today is a day to observe human behavior.

Have you ever met someone who is so excited about some new thing? This new thing could be a new friend, a new girlfriend, a new boyfriend, a new car, a new house, going to college, a new boat, football season tickets, on and on and on … Anyway, they are sooo excited about this new thing.

How do you know that they are excited? They talk about it all of the time. They speak more rapidly when talking about it. Their voice changes when they talk about it. They are more animated when they speak about it. They let everyone they know about this new thing in their life. They are pumped up!

Flash forward six months. Gone is the excitement. Now, that new thing is not as enticing. It is part of their life now. It may not even be a part of their life anymore. If it is still in their life, it may still be nice, but it certainly does not get the level of attention it was getting when it first became part of their life.

Why is this?

Now, I have to apply this to personal finances.

I have seen people learn the financial principles necessary to win (emergency fund of 3 – 6 months expenses in savings account, saying NO to debt, become debt-free, save for retirement and college, and budget monthly). They put together their first monthly budget. They are so excited! They tell everyone about it. “This budget is working!” “This is awesome!” “This is fantastic!”

Flash forward six months. Gone is the excitement. They have stopped budgeting. They have not been able to control themselves and have went and bought a new truck with 100% financing. They are right where they started. This REALLY IMPACTS MARRIAGES!!! I have seen married couples who cannot even talk about finances anymore because one or both of them knows beyond a shadow of a doubt that they have just deepened the hold that debt has on them. Proverbs 22:7 says that the “borrower is servant to the lender”. I have seen the servants. They have no hope. Hope is what sets fire to the human soul. When that hope is lost – the end.

I have personally counseled many who have went this very path. My heart hurts for them. The somberness is palpable. It really is tangible. They have lost hope. Some have lost everything they owned. They know what must be done, but for some reason unknown to me, they cannot make themselves do it. I pray for them now. Lord, help them become free of financial bondage. Restore HOPE to their lives. Help them establish personal discipline to make it happen.

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