Please forgive me for taking your blessings for granted. I have spent hard earned money that my family did not have and now I am completely overwhelmed by the lack of money to pay these debts back.
My bills are overdue and I have been keeping this from my husband. I feel like a terrible wife and mother. I understand my shortcomings and I am ready to make the necessary changes to live within my means from now on. Please bless my family with the money needed to get over this financial crisis.
In the name of your son, Jesus, Amen!