Yes, Count your Pennies


Don’t store up treasures here on earth, where moths eat them and rust destroys them, and where thieves break in and steal. Matthew 6:19 NLT

The Mid–Stage of my life arrived much faster than I anticipated. Much to my surprise, when I received my pre-retirement Social Security benefit statement, it informed me that I have worked since the age of 13. However, the math and the retirement funds that I would receive did not coincide. In three years, I would be entitled to a gratuitous 75% percent of my calculated monthly payoff. However, if I would only wait until the ripe age of 66, then I would receive 100% of my benefits. I continued to look in disbelief; based on my calculations, I should have an increase of at least 50%. My plan to relax on a Caribbean beach for at least six months a year was not going to happen.

So, before you think, “oh well, she didn’t manage her finances correctly.” I want to clarify that I did not splurge. In fact, I paid for necessities-food, housing, car note, auto insurance, clothing, etc. As a single woman until 51, I had budgeted quite well-which enabled me to take a few enjoyable vacations, and give 15% charitable contributions in the form of tithe and offerings. My financial plan began to unravel three years ago, when my health took a substantial turn. As a healthcare professional providing care to patients, I worked in a fast-paced environment that required standing, and running around most of the 8-12 hour shift. I begin to notice the joint pain in both of my knees, which required frequent sit breaks. I remained in denial regarding my condition and did not seek medical intervention. It was only during a trip to Upstate NY where my left knee hyperextended and I returned home with an immobilizer and crutches. Subsequent follow-ups with my PCP and three orthopedic surgeons revealed a diagnosis of Bilateral End-Stage Osteoarthritis with recommendations for knee replacements.

I have recently performed a list of my assets according to biblical standards, and I am in good standing. God has supplied all of my needs, and I am doing fairly well with the desirable wants. Now I have to restructure and refocus my mindset. I do not need to “shop” for unneeded items. In fact, I am in the process of collecting clothing and other items (for donation) that I will never use again. Did it require a decline in my health status for me to start counting my blessings and stop spending the resources that God has provided for me? I will continue to ponder on that question. Who knows with the money I am no longer spending, my dream for time on that Caribbean beach may be within reach.


Author: steps2successwithspiritualsolutions

I am a Woman of God who desires to provide spiritual guidance to those in mental, emotional, and spiritual distress. Many of us have experienced a devastating life event within the past three years. If so, then we share something in common. My life restarted in 2020. And my healing journey lasted for 16 months. It takes courage, perseverance, faith, and trust in God to restructure and build a new life. Yet, in Isaiah 43, verses 1-3, God promises us that we will never be alone. We can have the assurance that God is with us in every stormy hardship. Pray daily and pray often. Study the Bible. The Scriptures are a Love Letter from God to those who accept Jesus as their personal Savior. You will receive comfort, knowledge, and wisdom. God says, "I have loved you with an everlasting love." Jeremiah 31:3. Be blessed in Jesus' name. Amen. By profession, I am a Registered Nurse, with a passion for helping others overcome the obstacles in their lives. I am a writer of Devotionals, Romantic Poetry, and Research Articles. The recent development of Mentoring and launching as a Motivational Speaker has prompted me to address real-life issues for women from a spiritual perspective.

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