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What in the notes did you find revealing, challenging or interesting?
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Saving is wise but it takes patience and planning. This can be challenging and require a degree of self denial.
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Debt is a bad decision. Debt seems like the easy way to have something you want, but the consequences are terrible. Try to avoid debt.
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We must use God’s Word, and good and wise counseling. Most of all ask God. Take the time and do it right. Make sure you are in a good state of mind when you make your decision.
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It’s never too late to learn to save. The freedom of having an emergency fund or extra to pay for a major purchase in full without a charge or loan feels so awesome and worth knowing you owe no one, but our Lord’s grace.
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Wisdom and insight are needed when seeking counsel from others, we need to be wise and look for godly people to help with making decisions in our lives and our finances.