Debt is a cruel master.  It places restrictions on us.  It hinders us.  It beats us down.  It weighs heavily on our minds.  It is a terrible burden that most, if not all, of us bear.

Take a second and imagine that you are completely debt free.  No mortgage.  No car payments.  No student loans.  No credit card debt.  No debt.  What would you do if you were debt free?

Here are ten things you could do if you were debt free.

1. Anonymously mail gas or grocery store gift cards to needy families each month.
2. Take your old mortgage payment and pay someone else’s mortgage payment for a month to help them get ahead of their bills.
3. Leave a $100 tip for a waitress who has had a hard day.
4. Start an endowment for your favorite ministry.
5. Tithe 20% or 30% or even more to your local church.
6. Send a missionary a note thanking them for serving the Lord and include a check for $1000.
7. Sell your house anytime you want without worrying about being upside down in your mortgage.
8. Make a car payment and a mortgage payment to your savings account each month.
9. Use your old mortgage payment and completely cover the costs of our annual community Thanksgiving Day dinner.
10. Give your largest ever April Faith Day offering.