This is an example and can be altered to your needs. You also have the freedom to speak to Christ from your heart. He can handle anything you bring to Him. He knows where you are and what you need but He wants you to come to Him. He already knows what is in your heart but He still desires to hear from you. Give it all to Him.
Our Heavenly Father, I thank you for all that we have and all that you bless us with. I apologize for not always handling finances according to your guidelines. I apologize for not listening to your voice when cautioned and prompted. I pray that you would help us through the problems that we have created by not seeking you in all things. I ask that you help us to handle our problem and our future finances according to your guidelines. I don’t want to be bound by bills. I realize it is not your desire for us to be enslaved by debt. Help us to know when to say “No” to our selfish wants and when to say “Yes” to helping others and giving to your Kingdom. Help us to be obedient to You and to glorify You in our decisions. Help us to be able to bless others as you bless us. In Jesus Name, Amen!