Why I Do Not Buy Bread on Credit?
But perhaps it may be asked, Why do you not take the bread on credit? What does it matter whether you pay immediately for it, or at the end of the month, or the quarter, or the half year? Seeing that the Orphan Houses are the work of the Lord, may you not trust in him that he will supply you with means to pay the bills which you contract with the butcher, baker, grocer, etc. as the things which you purchase are needful? My reply is this:
1. If the work in which we are engaged is indeed the work of God, then he whose work it is is surely able and willing to provide the means for it. 2. But not only so, he will also provide the means at the time when they are needed. I do not mean that he will provide them when we think that they are needed; but yet that when there is real need, such as the necessaries of life being required, he will give them; and on the same ground on which we suppose we do trust in God to help us to pay the debt which we now contract, we may and ought to trust in the Lord to supply us with what we require at present, so that there may be no need for going into debt. 3. It is true, I might have goods on credit, and to a very considerable amount; but, then, the result would be, that the next time we were again in straits, the mind would involuntarily be turned to further credit which I might have, instead of being turned to the Lord, and thus faith, which is kept up and strengthened only by being exercised, would become weaker and weaker, till at last, according to all human probability, I should find myself deeply in debt and have no prospect of getting out of it. 4. Faith has to do with the word of God,—rests upon the written word of God; but there is no promise that he will pay our debts. The word says rather, “Owe no man anything;” whilst there is the promise given to his children, “I will never leave thee nor forsake thee,” and, “Whosoever believeth on him shall not be confounded.” On this account we could not say, upon the ground of the Holy Scriptures, Why do you not trust in God that he will supply you with means to pay your debts which you contract in his service for the necessities of the orphans? 5. The last reason why we do not take goods on credit is this: The chief and primary object of the work was not the temporal welfare of the children, nor even their spiritual welfare, blessed and glorious as it is, and much as, through grace, we seek after it and pray for it; but the first and primary object of the work was, to show before the whole world and the whole church of Christ, that even in these last evil days the living God is ready to prove himself as the living God, by being ever willing to help, succor, comfort, and answer the prayers of those who trust in him: so that we need not go away from him to our fellow-men, or to the ways of the world, seeing that he is both able and willing to supply us with all we can need in his service.
From the beginning, when God put this service into my heart, I had anticipated trials and straits; but knowing, as I did, the heart of God, through the experience of several years previously, I also knew that he would listen to the prayers of his child who trusts in him, and that he would not leave him in the hour of need, but listen to his prayers, and deliver him out of the difficulty, and that then, this being made known in print for the benefit of both believers and unbelievers, others would be led to trust in the Lord. We discern, therefore, more and more clearly that it is for the church’s benefit that we are put into these straits, and if therefore in the hour of need we were to take goods on credit, the first and primary object of the work would be completely frustrated, and no heart would be further strengthened to trust in God; nor would there be any longer that manifestation of the special and particular providence of God which has hitherto been so abundantly shown through this work, even in the eyes of unbelievers, whereby they have been led to see that there is after all reality in the things of God, and many, through these printed accounts, have been truly converted. For these reasons, then, we consider it our precious privilege, as heretofore, to continue to wait upon the Lord only, instead of taking goods on credit, or borrowing money from some kind friends, when we are in need. Nay, we purpose, as God shall give us grace, to look to him only, though morning after morning we should have nothing in hand for the work, yea, though from meal to meal we should have to look to him; being fully assured that he who is now (1845) in the tenth year feeding these many orphans, and who has never suffered them to want, and that he who is now (1845) in the twelfth year carrying on the other parts of the work, without any branch of it being stopped for want of means, will do so for the future also. And here I do desire, in the deep consciousness of my natural helplessness and dependence upon the Lord, to confess that through the grace of God my soul has been in peace, though day after day we have had to wait for our daily provisions upon the Lord; yea, though even from meal to meal we have been required to do this.
Debt and Being Surety
How precious it is, even for this life, to act according to the word of God! This perfect revelation of His mind gives us directions for everything, even the most minute affairs of this life. It commands us,
"Be thou not one of them that strike hands, or of them that are sureties for debts."
The way in which Satan ensnares persons, to bring them into the net, and to bring trouble upon them by becoming sureties, is, that he seeks to represent the matter as if there were no danger connected with that particular case, and that one might be sure one should never be called upon to pay the money; but the Lord, the faithful Friend, tells us in His own word that the only way in such a matter "to be sure" is "to hate suretyship." (Prov. xi.15.) The following points seem to me of solemn moment for consideration, if I were called upon to become surety for another:
1. What obliges the person, who wishes me to become surety for him, to need a surety? Is it really a good cause in which I am called upon to become surety? I do not remember ever to have met with a case in which in a plain, and godly, and in all respects scriptural matter such a thing occurred. There was generally some sin or other connected with it.
2. If I become surety, notwithstanding what the Lord has said to me in His word, am I in such a position that no one will be injured by my being called upon to fulfil the engagements of the person for whom I am going to be surety? In most instances this alone ought to keep one from it.
3. If still I become surety, the amount of money for which I become responsible must be so in my power that I am able to produce it whenever it is called for in order that the name of the Lord may not be dishonoured.
4. But if there be the possibility of having to fulfil the engagements of the person in whose stead I have to stand, is it the will of the Lord that I should spend my means in that way? Is it not rather His will that my means should be spent in another way?
5. How can I get over the plain word of the Lord, which is to the contrary, if the first four points could be satisfactorily settled?