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September 26, 2005


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The Current Interest Rate is Too High
By: Dr. Skip Myers
Edgefielddaily.com columnist
web posted Septmeber 26, 2005

It is interesting what you will overhear other people say. I was sitting in a store the other day waiting for my wife to come out of the dressing room so I could tell her that whatever she had on was absolutely gorgeous! As I was sitting there playing a game I had downloaded on my cell phone, (Truly one of the great sanity-savers for husbands and fathers who have only daughters.) a young lady walked past me and said, “I don’t have any money so I had better not spend too much in here today.”

No money and yet, she planned to go ahead and spend money. How could that be? And then I remembered that our society runs not on fossil fuel but rather plastic. Plastic cards are great except for one thing: interest rates. I wondered what kind of interest this lady would pay as a result of the magnetic sale this store had in progress. It was the same sale that drew my wife in and made me a reluctant participant to it all.

Buy now and think about paying later is a seductive ploy. Numerous people live their lives this way. I’ll do what I want to do now and worry about the cost later. We throw down the plastic forgetting one vital fact: if we wait to deal with this, it will cost us more later. I don’t know who thought up the concept of charging interest for the use of money but we have certainly honed it to an art form.

Now let’s take the principle of interest and apply it to our spiritual lives. Because of the cross, those who choose to have a personal relationship with the Lord have had their “sin account” paid in full by Jesus. So, many feel as though they can simply take advantage of this wonderful interest-free, non-accruing account and do as they please. That’s not exactly what the Lord had in mind for the whole concept of grace.

When we choose to disobey God, while the eternal price has been paid for us, the effects that decision has on our life and relationship with the Lord are very potent and real. Let me explain. If I decide to take charge of things and in doing so commit sin, do wrong, mess up, blow it, and fall that does not change my eternal destiny or place before the Lord. I am still His child and He still loves me. What effects me and my relationship with others and the Lord are the consequences of that sin.

At this point, I have a decision to make. I can either deal with the sin and the consequences immediately or wait and allow the event to begin accruing interest. What type of interest you may ask. Well, I am glad you asked that question. Interest may come in the form of dishonesty if we lie about what we did. We may open the door to rationalizing what we have done until a hurtful habit is established. Action may be followed by negative attitudes or vice versa.

Putting confession on account is never a good idea. King David discovered this when he committed adultery with Bathsheba and then had her husband murdered to cover up the fact she was pregnant. He tried desperately to conceal his sin and delay dealing with it. Finally, he was confronted with all that he had done and while the consequences were severe, confession brought about a relief to his soul. But, by the time he came to this realization, the interest had accrued upon his life and his reputation.

It was during this time, David wrote Psalm 32. Read the entire Psalm. You will readily see the wisdom David possessed spiritually and the lesson the Lord is trying to teach us all. 

How blessed is the he whose transgression is forgiven. Whose sin is covered!(verse 1) When I kept silent about my sin, my body wasted away through my groaning all day long. For day and night Your hand was heavy upon me; (The Lord will convict us of our sin because He loves us) my vitality was drained away as with the fever heat of summer. I acknowledged my sin to You, and my iniquity I did not hide; I said, “I will confess my transgressions to the Lord; and You forgave the guilt of my sin. (verses 3-5)

Look at the interest David paid for being silent before the Lord regarding his actions. He was effected physically, emotionally, mentally, and spiritually. The sad part is that the Lord was just waiting to forgive David and be with him as he walked through the consequences. He stands ready to do the same for you and me. Maybe it’s time we get honest before the Lord and stop the sinful effects of interest from accruing in our lives. The Lord loves and is ready to forgive. Lift the weight, be honest, and let Him guide you through any consequences you may be dealing with.

Interest-free living is great!


Dr. Myers is Pastor of Smiths Station Baptist Church, Smiths Station Alabama and a former Youth Minister of Sweetwater Baptist Church (1981-1986)
Contact Dr. Myers: E-mail




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