To make the statement, "I can't afford it," means I have assessed the situation and concluded I do not have the ability to meet the cost of something without unacceptable or disadvantageous consequences.

When I was in the advertising business in the early eighties, one of our clients had a successful campaign for a new housing development. For very little money down, and at a ridiculously low interest rate, young couples could “own” a brand new home or condominium, complete with clubhouse, pool, and golf course.

Not long after the development was sold out, the media reported there were some very unhappy buyers. They discovered too late what the term “introductory” means. The initial affordable payments began to escalate, as did their mortgage. Those who bailed out had to pay the difference between what they owed and the selling price, plus an early payoff penalty. It was a rude awakening.

The advertising campaign fooled first-time buyers with marginal incomes into believing they could afford a new home with all the amenities. The campaign was successful because people wanted to believe it was true.

I’ve been tempted at times to buy the enemy’s line that I can cut a few corners, have better financial security, and enjoy a few material pleasures at the same time. But his scheme is to make me a financial prisoner tempting me not to return God’s tithe, not to give to missions, and not to report that extra income to the Internal Revenue Service.

When I take time to assess the consequences, review the counsel in Scripture, and recall my own experiences, I conclude: I can’t afford it.

Gary Burns, Lake Union Herald editor