Bounce

Financial calculationWhen I was a teenager, I got my first paying job at a fast food restaurant. My mom helped me open a checking account.

I felt like big stuff having a checking account. I loved that I had the power to write checks.

I loved that power too much.

My mom carefully taught me how to balance my checkbook. For a short time, I kept up with it. After that, I sort of estimated. Or just believed the money would be there.

My mom insisted I balance the checkbook one night, and I realized something very important.

The check I’d written that day was going to bounce. It wasn’t even a check for stuff I needed, but just stuff I’d wanted to have.

I felt embarrassed about it, and I tried to brush it off as no big deal. But Mom wouldn’t have it.

Mom told me the store could put my name on display at the registers for the clerks to look at, to make sure not to accept anymore checks from me. And, to top it off, the bank doesn’t look keenly on bounced checks and charges an overdraft fee—and I didn’t even have any money in savings for the bank to draw from.

After I realized more of the gravity of the situation, Mom told me she would pay the debt—I think the check was for something like $200 and much of the money I didn’t have.

I didn’t realize it at the time nearly so much as I see it now, but my mother was presenting a clear picture of the Gospel for me that day.

First, God gives us the freedom to choose how we will spend our lives. But in Adam, we all chose to turn away from God and now we have a sin nature that makes right choices impossible apart from Christ.

Second, we all get in debt to sin. And not sinning for things we need—just things we want. We have no excuse for the sin we get ourselves into. We’re careless about getting ourselves into sin. We don’t realize the full consequences.

Third, we defend ourselves when confronted with sin. We try to brush it off or justify it as if it’s no big deal—or we regress into self-pity and remorse.

Fourth, God convicts us of our sin. We see that we have no excuse and that we have no way out on our own.

Fifth, God offers to pay our debt. We can start all over again, debt free, by belief in His Son. (For someone who is already a Christian who sins, we get a fresh start in our walk with Him.)

This miracle is made possible by grace. God takes our debt—sure to bounce back to us on Judgment Day—and pays it all off. He takes on our poverty, and we inherit His righteousness. This is the power of the cross.

He canceled the record of the charges against us and took it away by nailing it to the cross. (Colossians 2:14, NLT)

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