Jesus also, that he might sanctify the people with his own blood, suffered outside the gate. Therefore, let us go forth to him outside the camp, bearing his reproach. For we have no continuing city here, but we seek one to come.
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One of the natural things in this life that affects your spiritual well-being is excessive debt. Not being able to meet your financial obligations affects how you feel in your spirit. Excessive debt saps joy from the heart. It drags down your thoughts from lofty heights with God to be consumed on monthly bills and how to find a way to pay them. It can cause friction in the home and rob you of your peace.
The life of holiness is a life of temperance, which means, in part, living within your means. The "lust of the eyes" has ruined many a life when those who lust for every pretty thing they see run up bills so high that the tower of debt topples over and smothers their joy and peace. To plunge yourself into such excessive debt is sin. If you are married, to drag your family into excessive debt through your own lust is a double crime. The reason that debt affects your spirit is that debt springs from a spiritual weakness.
True holiness is not contrary to common sense. Live within your means. That is both the way of holiness and the way of common sense.