You have too much debt. You are not able to save enough for retirement. You are having troubles covering all of the bills. The list is long of financial trials and tribulations. I am sure you could add a few to the list. Why can't we seem to figure out what to do differently? Why can't we figure out the solutions?
The answer is simple.
Yet, the application of the answer is tough because we have human nature working against us.
You have to believe differently.
Let's start out and see what the book of James has to say:
James 1:5-6 New International Version (NIV)
5 If any of you lacks wisdom, you should ask God, who gives generously to all without finding fault, and it will be given to you. 6 But when you ask, you must believe and not doubt, because the one who doubts is like a wave of the sea, blown and tossed by the wind.
Said another way, you lack the answers so you take it to God in prayer. He gives wisdom without judgment to everyone who seeks Him. Here is where we screw it up. You have to believe 100% with no doubts at all that God will deliver the answers. If we doubt even the least, we don't see or notice the answers because our focus is on the wrong things.
What are some examples of doubt?
You say negative things to yourself
"I will never get out of debt". "I will never be financially free." "It will never work out." "I will never _____." Guess what, you are always right. You focus on what will not happen or what you don't want to happen and that the perceived problem is too big for God and it will forever be that way. What we say to ourselves and believe to be true is a powerful predictor of our outcomes.
You can't see yourself any differently
When you are surrounded by financial difficulties you start to see yourself in that light. You see yourself as a person with financial difficulties. You adopt the label. You have to see yourself as someone who through God's wisdom has done the things to overcome that life or financial challenge. You have to see and feel yourself as what you want to be. More importantly, you have to see yourself as God sees you.
You constantly talk about your "reality"
The more you talk about your financial problems the more you reinforce it as your reality. If you prayed about it and asked God for wisdom, and He gives generously to all (all is everyone who believes) then why talk about something that is about to be temporary in God's perfect timing? Reality is nothing but our interpretation of life. Remember, you can only interpret life through the eyes of Christ or the eyes of fear/negativity. You can't do both.
Here is the bottom line - God answers prayers in so many ways. If we don't truly believe that He will give us the wisdom that we need, we will not see the answer to our prayers because we are too busy focusing on what we don't want. As you perceive life (and it is a choice), so you will interpret everything that happens to you in that perception. If that is the case, wouldn't you rather see things through God's eyes? Live and believe like the God who created the universe lives in you - ask Him into your heart (if you haven't already) and live that reality.