KRISTEN JOHNSON INGRAM was born in Phoenix, Arizona, went to high school in Los Angeles, and to college at Arizona State University. She has authored several issues of Forward Day by Day, as well as nearly twenty books and numerous magazine and newspaper articles. She teaches at writers' conferences, directs retreats, and leads workshops on suicide prevention. She is also the director of the Oregon Christian Writers' Conference, a post she has held for four years. Ingram lives with her husband, Ron, in Springfield, Oregon.

Getting out of debt, and staying out, is more than a financial formula—it's a daily choice that you can make. Filled with one hundred and twenty devotions that will help you break the habits that lead to debt and Scriptural passages to meet the very real needs of this difficult journey, Devotions for Debtors is a handy, helpful guide to learning to live within your means. Meditations address such topics as gift-giving temptation, the joys of no-money fun, and how to ask God for help dealing with the rollercoaster of emotions debt can bring on. Each devotion also includes thoughts for further reflection and exercises that may inspire you to pursue wellness in other areas of your life as well. An inspired, practical guide to changing your life, Devotions for Debtors is here to help.