Frank and Yvonne

Frank and Yvonne

Frank and I grew up in Jamaica where it was customary to see our families make purchases with cash and not credit. The principle was to save and then buy, and we tried to maintain that same principle when we immigrated to the United States. However, that principle became a challenge when we decided to buy a house.

We justified getting a mortgage and convinced ourselves that it was “good” debt. Shortly after buying our home, we were invited to participate in a small group Bible study by Howard Dayton.

After several weeks of the study, we realized that we only understood the “what” about not getting into debt and not the “why”. The “why” became very clear to us when we memorized Proverbs 22:7, “Just as the rich rule the poor, so the borrower is servant to the lender.” We immediately made the decision to pay off our mortgage, and with God’s provision, accomplished this goal in January 2006.

After paying off our mortgage, I (Yvonne) was able to answer God’s calling to serve full-time in ministry. The Compass study was a life-changing experience for our family, was the catalyst for my career change and has been a great testimony to our adult children who are continuing the family legacy of applying biblical principles in their lives. – Frank & Yvonne