Real Talk ‘Bout My Finances

Heyyyy-looo beautiful people!

Yo, I can’t believe it is 2020. I hope that you guys are just as excited as I am writing this post. I honestly feel like I am writing a letter to someone special (well I am, hehe). You are sooo special. I am back on the horse of blogging and I am committing myself to 1 post per week at minimum. Some weeks may have more unscripted posts than others.

I am literally just coming out of my quiet time with Jesus and I was not expecting to write to you guys today. Honestly, the thought of coming back on the site was lowkey a bit uneasy for some reason, but I quickly looked through my website and I was like, “Dang! Alie, you was doing your thing.”

But I digress… Like usual. Okay, let’s get to it.

COME ON AND BE SET FREE WITH ME.

Stooorrryyyytimmmeee.

Last year, I was speaking with a close friend of mines about bills. She lives on her own and pays all her bills like a #bossbabe! However, she was in cycles of financial struggle. Me on the other hand is still living at home with my parents(unashamed of this fact), had a full scholarship to University and was working a steady job that pays “okay”. I was talking but not complaining about my bills and she said “what bills?” Honestly, I did not like the tone that she said it in, which I should have called out at the time but I was too pulled off guard by the question. So I tried to list all of my bills and of course, this did not sound like much to someone who is financially struggling with zero family support.

This happened mid last year and sometimes I still think about it. Today, I was speaking to God about my finances because the truth is that regardless of your paycheck, everyone needs to learn how to manage their money. And on the real, the conversation started with God tonight because I was telling him how tired I am of hearing testimonies of broke Christians. Listen, life happens and my family went through years with one low income coming into the house and we have moved on from that point. No, we’re not eating steak every night, but with my Mama’s incredible budgeting and money management skills, we are good. Oh, and of course, the grace and blessings of Jesus. 

So, bills come up, people get sick, people lose their job… life happens. I am not writing this with my head in the clouds. But I want to hear more stories about Christians being prosperous. Like WHHHYYY would someone in the world want to come on this side(Christianity) if we are always complaining about barely being able to make ends meet? Why can’t more Christians be prosperous like Job and Abraham? Why do some of us see poverty as a badge of honor? That’s crap.

By no means am I trying to condemn anyone. Even with my situation, there were 2x last year I emptied my account and the last time I felt so horrible. Especially as a woman, you never want to feel financially insecure. Worrisome thoughts came to mind and I was like crap… I wouldn’t be able to seek private health care. *At the end I will share tips to come out of debt and ensure as best as you can that you will not go back being a dependent*

Last year, I ate a lot of my money; just emotionally eating. Screw that crap. Mind you, I did have a written budget and on that budget held:

  • Monthly Therapy membership
  • Gym membership – which I had to cancel but honestly this helped my mental health sooo much last year. I am super grateful for Evolve Gym Bahamas.
  • Cable Bill – which is my household responsibility 
  • Savings
  • Grocery
  • Tithes and offering
  • Ministry dues
  • Gas
  • Insurance
  • License
  • Telephone bill – I had the CHEAPEST plan!

Also, I did went away… twice(I now know how to tell people no). And I tried a business venture which did not work out in the end but caused about $400 up-front. 

Today… I told God, thank you. Thank you that I have ZERO debt and a free place to stay. Thank you God that I don’t have a lot of bills or responsibilities like school fees or mortgage. Thank you God that I was able to afford a gym membership and therapy. Thank you for enough to put in the bank. Thank you for enough to bless others.

THANK YOU GOD!!!

I want a testimony of being a blessing. I pray that you and I overflow spiritually and financially so that we can send more missionaries aboard. I pray that we can overflow so that the church will have a testimony of abundance. Come on, let us bless people not just with prayer but physical needs.

“In everything I did, I showed you that by this kind of hard work we must help the weak, remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.’” – Acts 20:35

“Whoever is kind to the poor lends to the LORD, and he will reward them for what they have done.” – Proverbs 19:17

“And my God will meet all your needs according to his glorious riches in Christ Jesus.” – Phil 4:19

With my friend, who is awesome and fabulous, I felt the need to prove that I am not spoil. But oh, I am. I am spoiled from JESUSSSS. I got a testimony! The last three days, I was blessed with food. I am on a strict spending budget for this month. Like, I am only taking out for gas and tithes type of budget, lol.

Resources and tips

Pray and release the condemnation that you have in your heart. Ask God, who said that He will never leave you or forsake you for help (Due 31:6). Oh, and didn’t the bible say he was our counselor and confidant? (John 14:26).

YouTube is your FRIEND. Use that friend, girl! Look up: 

– How to creating a WRITTEN budget.

– Baby steps to coming out a debt.

– How to lower home expenses.

– Freelance opportunities.

Create a $1,000 emergency fund now! You will thank me later.

A great person to check out is Dave Ramsey. He has a website and a YouTube channel where he talks about baby steps to financial freedom. Ya better know now that the party is over.

If you are in the Caribbean region, I recommend Drewber Solutions. They have amazing Financial Advisors and Planners.

I believe that you can do this. Let’s go on this journey of financial stability. When life throws you a curveball, stand tall, Jesus got you and you used wisdom to create a plan. You are not a failure. 

Love you,

Alie (with one “L”)

2 Comments

  1. Heyy Alie!

    This was a fantastic read! I’m looking forward to reading more on kicking financial debt to the curb and walking with God to a financially stable life. 💕

    P.s. – I love the scripture references!

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