Describe:

Ask the counselee “How can I help you today?”

Dream:

Ask the counselee: “Suppose if God, in his infinite wisdom and ability, came to you tonight and solved all your money problems, what would your life be like?”

Help them understand the reality of their situation if they continue down the path they are traveling.

Decide:

Ask the counselee: “What would God want you to do about it?”

Provide some biblical insight into what God would want them to do:

Ecclesiastes 5:12          Philippians 4:19          Haggai 1:6-7

Malachi 3:10          Philippians 4:6-7          1 Timothy 6:10

Matthew 6:21

Do:

In putting together a plan of action, the pastor should take into consideration the following:

  1. If the counselee(s) do not have a budgeting plan, they should be challenged to create one and live by it.
  2. There are many Christian debt counseling services.  The pastoral counselor should help the counselee(s) select one to help them get their financial house in order.
  3. The pastoral counselor should work to help the counselee(s) find their priorities.  Many financial problems are caused due to a lack of understanding of priority and living according to wants and desires.

Resource:  Clinton, Tim and John Trent.  Marriage and Family Counseling. (Grand Rapids:  Baker Books, 2009), 208-212.