A Penny-wise thought…Divorce

I don’t mean divorce in the usual sense of the word. Not divorce between two people. I would that two people, when they say their vows to each other, would remain life-long friends, lovers, and soul-mates.

Are we married to a habit that is costing us too much, both financially and emotionally? Are we closely bound to something that is having a negative impact on our life? It could be a toxic relationship, or a way of life that is interfering with our overall quality of life.

It’s time to get a divorce! It’s time to distance ourselves from whatever is impeding us. We can say, thus far and no more! We can set firm boundaries! Psalm 104 expresses this in poetic language:

You placed the world on its foundation
    so it would never be moved.
You clothed the earth with floods of water,
    water that covered even the mountains.
At your command, the water fled;
    at the sound of your thunder, it hurried away.
Mountains rose and valleys sank
    to the levels you decreed.
Then you set a firm boundary for the seas,
    so they would never again cover the earth.

Perhaps we feel we are trapped forever in whatever situation we find ourselves. Pray for separation, for escape, so that we can live whole lives, lives of peace and comfort. It’s not easy to disentangle ourselves from a destructive pattern. We need support.

Let me cheer you on, as you take steps towards freeing yourself.

As always, comments are welcome.

Affectionately,

Penny

 

A Penny-wise thought… One for the money, two for the road…

Three to get ready and four to go! How could I have a name like Penny and not think about money? I have cash flow – it flows, and flows, and flows right out of my hands into the big sea of expenses – some quite necessary, some not so quite. And then the waves of necessity start pounding on my shore. Can I withstand this force? If I’m well-prepared, the waves are a beautiful and expected sight. But if I’m not, they threaten to overwhelm me and I’m left scrambling to reach higher ground.

Number-crunching is my hobby. It hasn’t made me any richer, but I have been able to put each expense into categories: Fixed, Flexible, Food, Fun, Funding (giving), Future (savings), and Vision. I have a very good idea of how much I spend for each category each month. I am fine-tuning these numbers into something that works, given my income.

Vision is a recent category. Writing is my true calling. I have authored one book and I’m working on two more. This puts me amongst the ranks of the self-employed. Any expenses connected to these books or my blogs fall under Vision.  You may wish to apply this category to your own vocation, calling, or work. These expenses are tax-deductible to some degree and are worth recording.

What is the purpose of this? It’s so I spend within the parameters of a carefully reasoned-out spending plan. It’s so I don’t have too much month left over at the end of my money. With a little bit of self-discipine, when those waves come rolling in, I’ll be prepared to meet each one. Peace of mind frees me, so my creative work is not inhibited. May you enjoy peace of mind on your journey.

Affectionately,

Penny