"Be careful with credits and loans"

Many people are confused about the concepts of Emuna (pure and authentic Faith in the Creator), Well, they think: "I ask for a loan (or buy on credit) and I have full confidence (Emunah) that the Creator will later send me all the money I borrowed to pay."

Although it may seem unbelievable, what this person is doing is designating himself as "the owner" of Hashem's money.

Who said Hashem was going to give him all that money? And what if that sum isn't included in the budget the Creator assigned him for that year?

Our sages teach: "All sustenance of the individual is assigned to him from the beginning of the year until the beginning of the next year" (Gemara, T. Beitza 16)

The great sage and commentator Rashi comments that "he is allotted" refers to the specific amount he will earn throughout that year, and that he must be very careful not to spend more money than he was allotted, because he will not be given more than what he was already allotted. Therefore, one must be very careful not to squander what one has, and even more careful with loans or credit.

This is a typical error in the concept of emuna and trust in the Creator. It is a "false trust." When someone borrows money and goes into debt beyond their ability to repay, that is "trust in the impure world." Be careful!

If a person is in a truly difficult situation, for example, if he has no food and asks for a loan, then it is understandable, but if he goes into debt "up to his neck" to satisfy his desires, to compete with his friends, etc., he is not understanding the concept of Emunah and will most likely find himself in trouble soon.

That is why it is so important to ask in our prayers: "Give us our sustenance at the proper time" as we say daily in the "Berchat hamazon" (food prayer): -You open Your hand and satisfy every living being-

"All eyes look to you, and you give them their food in due season. You open your hand and satisfy every living thing. The Creator is just and kind..." (Tehilim-Psalms 145,15)

We will continue...

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