I want to assure you that God is concerned about every part of our lives, including our money. Have you committed this problem to Him and prayerfully asked Him to give you the wisdom to overcome it?
In spite of your financial difficulties, however, I hope you'll find a way to give something to God's work, even if it isn't much right now. Just as Jesus took a boy's small lunch and multiplied it to feed 5,000 people, so God can take even our smallest gifts and use them in ways we could never imagine (see Matthew 14:17-19).
Not only will God use your gifts to bless others, but He'll also teach you some important spiritual lessons through your giving. For example, you'll begin to realize that your money isn't really yours. Instead, God has entrusted it to you, and He wants you to use it wisely and unselfishly. The Bible says, "Everything comes from you, and we have given you only what comes from your hand" (1 Chronicles 29:14).
Do all you can to get out of debt; perhaps a wise businessperson in your church or a local nonprofit agency can help you. Most of all, however, in the midst of your problems, may you discover the greatest gift that has ever been given to the human race: God's gift of His Son, Jesus Christ. God loves you; He loves you so much that He sent Jesus Christ into the world to give His life for you. Receive His gift into your lives today.