(But what if you’re unable to pay?)
By Pastor Vincent Imwensi
The concept of “buy now, pay later” is a popular one here in the United Kingdom with a lot of big stores.
And especially in this Christmas season with all the buying and buying everywhere, many are finding such offers too good to refuse.
I believe it is the same in other countries and many big cities around the world as well.
This arrangement is often associated with high value items. By it, you are able to walk into a store, buy the item you want even if you don’t have the money to pay immediately.
With a simple agreement which you will sign, you are allowed to go home with the item provided your credit check as well as a few other inquiries are satisfactory.
You will be required to pay for the item (interest free) on or before the expiration of a given period of time (for instance, it may be six, nine or twelve months, etc).
A Brilliant Idea
This system has a lot of merits and in many ways, makes life easier. Last year for instance, I purchased an item under this arrangement and before the given time period expired, I called up the finance company and paid in full over the telephone.
The whole thing felt so smooth and easy as I was allowed the needed time to manage my cash flow to accommodate the expense.
But There Is Another Side To It
As good as it sounds, it has an ugly side – that is where a buyer fails to pay up within the specified time.
If that happens, the finance company (that underwrote the cost of the item you purchased) will immediately launch you into an instalment repayment plan spanning a number of years at the end of which you would have paid twice (and sometimes, three times) more than the original cost of the item.
If you default with the instalment repayment, then the whole thing will compound and that is when you know you are really in a deep mess. Depending on the value of the item, it can launch a person into a cycle of indebtedness that is difficult to come out of.
So if you are not sure of how to repay when the time comes, (or you know you don’t have the wherewithal to repay) don’t try this – you may be biting more than you can chew!
Having To Pay When The Fun Is Over, Is Not Funny
A more painful scenario is where the repayment comes up after the benefits (or enjoyments) have ceased.
It is like somebody taking a loan to sponsor an expensive holiday. By the time he begins to repay the loan, the holiday has come and gone. And all the fun he had (while on the holiday) is in past tense – the reality that he now faces is the pain of debt repayment which may last up to a year or more.
And it is worse if he does not have the means to meet up with the monthly repayments of the debt.
That Is Exactly What Many Are Doing Without Knowing It
Each time I ponder the fact that a lot of people are living their lives the way they please without regards to where they are going to spend eternity when they leave this world, I can’t help feeling that they are doing “buy now, pay later” with their lives.
Many are enjoying all sorts of sinful pleasures without regards to the consequences they would face later if they die in their sins.
I know that saying things like this is no longer popular. In fact, it is considered an offence in many quarters including many churches (especially the “socially correct” ones).
But bear with me because this is still the truth according to God’s word.
The Big Question
The Bible tells us that “…it is appointed for men to die once, but after this the judgment.” (Hebrews 9:27)
Many people have persuaded themselves into believing that the Bible is not true and there will be no judgment after this life. Well, let’s not go into any debate over that now.
My question is, SUPPOSING God is actually to judge sin one day…..! I said supposing – even if you don’t believe it, just suppose!
SUPPOSING there’s going to be judgment for every act of ungodliness and sinful pleasures including sexual immorality and perversion, lying, cheating and stealing, blasphemy, hatred and murder, etc ….
Yes, SUPPOSING that is going to be the case just like the Bible says, how well will you fare?
That is to say, when the time comes to repay, can you really pay? And the truth is, no one is without sin – whatever that sin may be.
A Generous Offer To Help You Pay Now
According to God’s word, none of us has what it takes to pay for our sins. The wages of sin is death and we are all guilty!
But God in His marvelous kindness and love sent His own Son, Jesus Christ to come down to this sinful world to die in our stead to take away our sin and the penalty we justly deserve.
All that is left is for us to come to God with a repentant heart, believe in the price that God’s son (Jesus Christ) paid on our behalf, and ask to be forgiven and saved.
God in His mercy has promised in His word that it doesn’t matter how sinful and guilty we have been, if we will do just that, He will accept us, forgive us of our sins and make us His own children.
Or Would You Rather Pay It Later – Yourself?
God’s free offer of salvation is only available while we are alive – it expires the moment a person dies.
Those who reject this gracious offer will have no choice than to face up to the consequences of their own sins before a holy God and they will be required to pay the debt that they have no means or ability to pay.
The result will be an unending (justly deserved) punishment in a place called hell fire.
I know it doesn’t sound exciting and it is certainly not “socially” or “politically correct” but it is the truth of God’s word and no one ought to be ignorant of this truth and impending reality.
Be Smart Dear Friend – Don’t Let It Happen To You!
It is when faced with God’s judgment for a sinful life that many will come to realize that they did not get away with their careless godless living and all the sinful fun they had while on earth.
The Devil has tricked many into a program called “buy now, pay later.”
And many have embraced it, rejecting the truth of God’s word and blatantly indulging in all manner of sinful living.
“Buy now, pay later”?
Don’t do that with your eternal destiny. It is too expensive a proposition to allow.
Accept God’s love for you today and be saved. For more information and help, click here.