Throwback Thursday Poetry Time: Two F’s (Temporarily Without Funds)

Ever faced hard times financially? I had then and am even now. Today’s throwback is an older poem of mine called “Two F’s.”

As I read it now, I realize how much hard seasons can teach us.

Life happens. Unexpected expenses happen. We make financial mistakes. Sometimes we find ourselves trying to stretch what we have farther than it can go.

But I’m learning that financial struggles aren’t just an opportunity to learn how to manage money better. They can also teach us about trust, stewardship, contentment, discipline, and our dependence on God.

I’m learning to have a healthier relationship with money while also learning to trust God to provide.

And one thing I’m reminding myself of is this: being in a financially difficult season doesn’t mean God has forgotten you.

Sometimes the lesson isn’t simply about getting more money. Sometimes it’s about learning how to handle what we have, making wiser choices, and trusting God through the process.

So today, I’m taking a look back at something I wrote years ago and realizing that some lessons are still being learned.

I know this year has been rough for many of us. Hold on and please don’t give up.

Have you, or are you currently going through, a difficult financial season? What has it taught you?

Here’s “Two F’s.” 📖✍🏾

I received my report card and I got two F’s

But I didn’t fail a class

I failed financially and being without money Is kicking me in my rear end bad

I have a pot to piss in

But have no clue

As to how to pay all these bills when due

Why do I have to make life decisions when it comes to money?

Get gas or buy medicine

Eat a meal or pay a bill

Man should I take the hard work of another

Or put on a mask and go skipping through the bank’s steel

Make fast money fast or just give up

Why must my soul put up a fight, when I know what’s right?

I stretch my check till it can’t stretch no more

I can’t count on my bank account

And if my pockets were muscles, they’d feel soar

The love of money is the root of all evil

This I know I don’t love money, but I need it

I need it to survive

Shoot I can’t even pay my tithes

I budget well or so I think

I was tithing faithfully and I gave to others even when it was my last

So where did I go wrong

To experience tough times this bad

My mortgage due, my light bill too,

Water bill, credit card bill, student loans,

Shall I go on

My babies need food

My car needs gas

I got one dollar and no emergency stash

Disappointed and stressed

Trying not to worry

But it’s frustrating when the frequent response is decline

And the word of the day is less

I pray and I pray

And I even have a job

but don’t have much to pay Uncle Sam or pay back Uncle Bob

I have dreams

I have goals

But if I don’t have money or notoriety

To the world

they are just ideas and no’s

I am so consistently broke

That my tears need raincoats

I den cried till I can’t anymore

Once ignored calls to bill collectors are promises unsecured

Not knowing if I can back a payment for sure

Being broke isn’t fun

But I guaranteed it is someone whose finances are registered on E

And going thru worse than me

Dying because they have nothing at all to eat

Nor options or resources

So why should I complain?

I thank the Lord for getting me through

And for realizing the truth

The truth is I don’t trust Him

like I should

The truth is He made a way before, so why not now

The truth is I fed all my worthless idols with luxury and my time

They got all my plenty and took every last dime

The truth is I gave without seeking God’s wisdom

And instead I let Jealousy, Buy-A-Friend, Keep-up-with-the Jones and Slothful deplete my resources

And take the spoon out of my child’s mouth

The truth is I put all my faith in my job and other worldly sources

My job gives me allowance to keep me coming back

But my Lord gives me more than money and His Word does a better job of keeping me on track

The truth is I don’t tithe because I am afraid that if I trust the Lord

With what He gave me, He won’t give it back

The truth is I forget He knows what I need before I even ask

And though tests will come I will survive

Because my Lord is alive

And His bank account is greater than all the banks and gold in the world

So I am learning not to utter I am broke

Because words are powerful

My Lord has plenty

And I don’t have to live on Decline

Because the Lord didn’t bring me this far

To leave me behind

I will reach Prosperity Lane

Instead of always living check to check and pockets drained

I will continue to pray my Two F’s away

And ask for clarity

On how to get a B For budget,

C for cash And A for Accepted and Never Denied

I will pay all my debts and owe no man nothing except love

I will learn to obey God and trust Him to provide

I will depend on Him and do more than just get by…

What Will Your Older Self Thank You For?

“The best person to take care of the old you is the young you.”
— Smart Money Bro (Eric)

At the end of each video from Smart Money Bro, I’ve come to anticipate hearing him share his signature line.

His advice and financial literacy content are reasons why I decided to continue watching his channel and eventually follow him. But his signature line is another reason why I enjoy his channel. It serves as a reflective reminder to keep your future self in mind, and that you can start taking care of him or her today.

And that’s exactly what I am going to do.
It can be difficult to have conversations and reflections about finances, health, and preparing for the future because of the weight of these topics. Yet they are crucial.
Implementing healthy habits, making wise changes, and becoming a good steward of your life are all part of taking care of the older you—the one waiting years from now.

My channel has focused on faith, mental health, healing, purpose, stewardship, and more. I want to encourage others as well as myself that every stage of life calls us to live simply, fruitfully, and purposefully.

Do understand that preparing for the next season doesn’t mean missing the one you’re in. It means being fully present today while faithfully stewarding tomorrow. There is joy to be found in the current season even as you prepare for the next.

And in every season, God helps prepare us for the next one.

That preparation often requires hope—the flicker of hope that rests in the center of your heart. It requires your experiences, your willingness to unlearn some things to learn new things, reflection, planning with God’s wisdom, patience, and taking it one day at a time.

It also requires proper stewardship over every area of life: your health, finances, relationships, career, time, healing journey, thoughts, and more.

Growing older is a privilege. And when that season comes, you want your older self to thrive and breathe in the benefits of the seeds you planted when you were younger.

Life will still happen, but you can be better prepared to navigate it with greater wisdom, better health, and a greater sense of wholeness.

Your older self will thank you.

So start stretching today.

Start doing what you can to pay down your debt.

Start doing what you can to invest in your future.

Start eating healthier.

Start setting boundaries.

Start decluttering mentally and physically.


What will you start doing today that your older self will thank you for later?
To check out Smart Money Bro’s channel, please visit:

https://youtube.com/@smartmoneybro?si=evHL5Jyum_WzfkSY

Beneath the Soil: Lessons From My First Garden

Late last year, on the edge of fall, I started my gardening journey. I was a bit behind in getting started but was able to put together my first garden before winter hit. With much research, prayer, and a bit of Q&A with ChatGPT, I began my backyard agricultural journey. I started with crops that could endure the slightly warm and breezy fall temperatures, transition to cooler weather, and make it through the winter.

Before my adventure began, I started preparing not just through research and prayer, but by gradually purchasing the materials I would need. Potting mix, compost, a solar animal repellent device, seeds, and gardening tools were just some of the things I had to gather.

With the help of my teen, we assembled raised garden beds, added cardboard, sticks, soil, a little coffee grounds, and perlite to help maintain proper moisture within the beds.

I sowed seeds of spinach, lettuce, thyme, chives, and garlic in my bed I called Grace. They could thrive as companions. In my bed called Steward, I planted arugula, kale, mustard greens, cilantro, and carrots as companions.

Companion planting is the practice of planting various crops and herbs together that can grow near one another and benefit both each other and the garden bed in which they are planted.

I continued praying, researching, and questioning ChatGPT about how to maintain my new garden beds once they were ready and the seeds were sown. Eventually, I found a watering rhythm and learned a measure of patience. But more work is still needed in the patience department.

When the first sprouts of my vegetable and herb garden appeared, I was ecstatic. I do not have a green thumb, so seeing the fruits of my labor and the answers to my prayers brought me great joy. My spinach sprouted but looked like grass to me at first, lol. Later, it matured into what spinach is actually supposed to look like.

Now, as for my hiccups.

I noticed a slight tunnel in one of my garden beds—not a major one, but something had disturbed the soil. After inspecting it further and repositioning the dirt, I knew I needed additional protection for the beds and baby seedlings. I purchased garden nets as well as hoops for the nets to rest upon so they would not smash the produce.

When the cold of winter arrived, everything was still doing well. My baby seedlings could handle the cold for a while. But I live in Illinois, so when temperatures dropped below 35 degrees and then became even colder, they needed frost covers, straw, and sometimes additional coverings like old curtains we had saved.

Winter taught me patience in the unknown, as well as trusting God to steward what I could not while I waited. I worried at times. But some of the sprouts and seedlings were dormant, quiet as they too waited, just more patiently than I.

And although I protected them with frost nets and, when needed, additional coverings, not all of them escaped our bitter Illinois winter. Some of my seedlings got frostbitten, mainly my arugula and mustard greens. Baby, my seedlings said, “We can handle the cold, but it’s too cold.”

Winter had gotten hold of those arugula and mustard green seedlings and turned them every which way but loose. Those poor babies turned brown and laid flat. They were worn out. I was sad to see what had once been vibrant and beautifully green become brown and weary.

But God.

As winter began to fade away, I saw new green growth appearing beneath those brown, weary seedlings. What I thought was completely gone was showing proof that life still remained and my crops had survived.

As winter departed and warmer temperatures arrived, my garden beds not only survived, they thrived. The garlic continued doing well, and the stalks grew tall, reaching the tops of the hoops and nets. Although the spinach seemed to enjoy the cooler temperatures more, it held on for a little while longer. The lettuce did well also. The herbs seemed slower to sprout, except for the cilantro.

Just as the weather warmed, I was able to harvest the spinach and even gave some to my neighbor, who immediately used it in a salad. My family and I used the harvested lettuce and spinach in salads and on sandwiches and burgers. It felt good to be able to eat and share what I had grown. As temperatures continued to rise, I noticed flowers beginning to appear and learned that spinach can bolt in the heat. I then hurried and harvested the remaining spinach before more of it bolted.

I have continued harvesting lettuce and now cilantro as well. I was also able to harvest some of the mustard greens (they were so good with some ham hocks), but I didn’t harvest all of them in time before they bolted in the heat.

Another lesson I learned was the importance of spacing seeds strategically so they receive proper sunlight, have room to grow, and can reach their full size.

I am still waiting on the other herbs and carrots, but I see the thyme coming through and a little of the chives. The arugula, however, never grew back.

As for my spring garden endeavors, I decided to use grow bags for my next crops. Right now, I am growing red peppers in their own grow bag, radishes (at my mom’s request) in another, and strawberries in their own bag as well. Later, I plan to add a few more crops and grow bags.

Now that we are approaching summer, I am learning a new watering rhythm. I have also had to pluck weeds out of my beds. I couldn’t believe that they had taken up residence in them. Furthermore, I had to deal with ants trying to establish a few colonies, mainly in the Grace bed, along with a few aphids there and in the hot pepper bag. Thankfully, it has not been severe—just a few leaves with holes. I believe I identified and addressed the problem, and I am looking forward to a healthier harvest.

In the meantime, God is still teaching me to trust Him and be patient. I cannot see what is happening beneath the soil when it comes to some of the crops. If I dig underneath or pull them up too soon, I disturb the soil and may hinder what is still developing. And shamefully, I have done that.

So I’ve got to let God cook.

Let Him do what He needs to do while He teaches me how to water, feed, and tend the soil. Let Him teach me to speak life even over my garden beds, be patient, persevere, and keep the faith.

Because gardening has become about more than growing vegetables. It has also become a lesson in trusting the One who causes growth.

"Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up." — Galatians 6:9

Accompanying Video:

Gardening Update: What I’ve Learned So Far


Just a quick garden update: I have been researching, and yes, using ChatGpt to aid me in maintaining my garden beds and veggies. This is my first time gardening and I was a bit intimidated by the process.

I planted, Apollos watered, but God gave the growth. So neither he who plants nor he who waters is anything, but only God who gives the growth. 1 Corinthians 3: 6-7

I understand that this scripture primarily reminds believers that we are not alone in the work of the Kingdom. Moreover, no one is more superior than the others. Some are called to plant the Word, others to water through discipling, and all of us are called to remain humble because it is God who brings the growth, the success, and the results. Any fruit that comes is by His power alone.

But as I read this scripture, it also helps me to understand that in my gardening venture—and as I plant and water—that it is God that breathes life upon my little garden beds of veggies and herbs.

I’m deeply grateful for the growth that God has brought to my garden beds. I am also grateful for His careful watch over them during this Midwestern cold. Seeing the garlic shoots, thyme, arugula, kale, and more sprout up just before the cold settled in is both satisfying and a relief. 

The only thing I wished I would have understood or did better is structuring the space of the seeds because I have to continually thin the veggies as they grow. This ensures they won’t be bunched up and compete for sunlight or space.

And if you are wondering about the cold, I planted veggies and herbs that can endure the winter season with a little extra support such as frost covers when temps drop too low. And the last time I peeked in on them, those little baby sprouts were doing well. Today, while it is a bit warmer than the previous days, I am going to check them again to see how they are holding up. And I am looking forward to when they are much bigger and fully ready to harvest. 


Reflection:

How does remembering that God gives the increase change the way you view your efforts—both spiritually and practically?

Benefits of A Planner


It’s okay if you don’t like to plan out your day, your goals, or your next move. And you don’t have to meticulously plan every detail of your life.

But here me out. Do take time to add planning and organizing to a part of your life’s journey.

“For every minute spent organizing, an hour is earned” – Benjamin Franklin

According to Cornerstone Dynamics, in the last 20 years, working time has increased by 15 percent, and leisure time has decreased by 33 percent (Karina Keith, Time Management Stats That May Surprise You).

According to Forbes.com, fifty-two percent of planners reported having time for social life, and 44 percent had enough time for themselves (Bryan Robinson, Ph.D., New Study Shows Career Benefits In Planning Versus Procrastinating To Reduce Stress).

So, if work time has increased, and life gets much more complex as we get older, why not set aside a few minutes a day or several minutes a week to plan your time, your goals and tasks to prioritize and organize.

For everything there is a season, a time for every activity under heaven. Ecclesiastes 3:1 NLT

I have always been a planner, a to-do lister. It helps me to declutter mentally, maintain productivity, and stay goal-oriented.

Whether you are using a paper/physical planner or a digital planner, there are many benefits to using one as it is one of many tools to aid you through this journey of life.

Then the Lord said to me, “Write my answer plainly on tablets, so that a runner can carry the correct message to others.
Habakkuk 2:2 NLT

Benefits of Using  A Planner:

  • Using a planner can help you get organized.
  • Using one can increase productivity.
  • Can build your motivation in accomplishing your goals.
  • Planning and organizing can help decrease stress.
  • Strengthen your self-discipline.
  • Help you manage your time.
  • Improves your focus.
  • Reduces anxiety and prioritizes well-being.
  • Sort through the chaos of a busy schedule.
  • Makes it easier to remember tasks.

What other benefits does using a planner bring?

Although I highly recommend using a planner, I must remind you a few things. Using a planner is not a quest for being perfect. Don’t forget to also allow spontaneity in your life. We should not idolize planning or plan without action or without seeking the Lord’s wisdom, will, and heart. With that said, remember the scripture below:

Commit your actions to the Lord, and your plans will succeed.  Proverbs 16:3 NLT

Without God, we can do nothing. Without God involved, our planning is futile. Commit your actions to the Lord. Submit to God, and depend on Him, and allow Him to lead you to success.

Lastly, planners can help you manage your time, prioritize tasks, and organize your short-term and long-term goals. In doing so, you increase your productivity as well as your personal time to relax, refuel, and reengage with loved ones.


The new edition of the CPR Planner is available!!!

The CPR planner helps you to continue your healing journey by exploring where in your life you need CPR (Calm, Peace, and a Refreshing). This planner has been updated with a new look and some new additions to help you continue staying on top of your daily, weekly, and monthly planning.

Available currently at Amazon. See link below.

Financially Healing

Current Economy

With the current economy, I know most of us are all feeling the financial pressures. Property taxes are high. Food costs have increased, and just overall, the cost of living. Even in my own personal life, things have been financially tight, debt piling up due to the cost of living, unforeseen circumstances, and issues that arose last year that we are still recovering from.

Financially Healing

However, I am learning about my relationship with money and learning to overcome certain mindsets and mismanagement. Not only am I on a healing journey, but I am on a financial mend, too. I am financially healing. Financial healing is a process of addressing and remedying unhealthy money patterns and relationships with money.

Some of the things I learned before and implement prior to us getting our home years ago helped me clean up my credit card debt and save money. So, I look forward to implementing these strategies again and applying such discipline this time around.

Discipline

One of my disciplines was to pay back debt one at a time and at least one debt paid back a year. The word of God says owe no man nothing, except love, and I would be happy to repay each debt and become debt free.

Word of advice: Never take out a personal loan and don’t have too many credit cards. Remember, credit cards and loans are borrowed monies, and they thrive on interest rates. So, if you are looking to get credit cards, one or two are all you need. And repay any amount spent each month in full. 

Another thing I do is to pay the smallest to the greatest debt. Paying the highest interest rates I do not favor. Why? Because you see more of a progress with the smallest amount versus the highest interest rate, and that does something for your heart and morale when struggling with debt.

The second thing I am reimplementing is a budget. I have always used an Excel sheet as my budget tracker to map out my bills, expenses, and so forth. But after learning from a financial advisor that you have to create a budget that suits your lifestyle and not just your bills, that has been a game changer. And I pray to stick to my budget because I don’t, especially when using my debit card. So I plan to budget and try my best to stick to it.

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My New Budget/Envelope Organizer

I am not new to sharing on my platforms great products I have come across and use in my everyday life, but now I get to share them and earn a commission. I value your trust above everything else, and I want to be upfront with my new endeavor. I’m in the Amazon Associates program, and some of the links in this post are affiliate links, which means I may earn a small commission if you click and buy. But I promise I only recommend products I truly believe in and think will add value to your life.

Dave Ramsey

I also plan to go the Dave Ramsey route and use cash more. Using my debit card or credit cards, it is easy to over exceed your budget and not stick to it.

Trust God

Another thing I plan to do is work on doing the homework to mend my finances. I have also been working on investing more or diversifying.  And eventually, I want to start a garden. Lastly, I plan to trust God and try not to let the current economy crisis worry me. My God shall supply my needs according to His riches in glory.

Stand on Business

Now, for some other financial tips, try to save an emergency fund, save for retirement, and also get your affairs in order like getting term or life insurance. I know no one wants to think about these things or dont always have the wriggle room to save like they need or want to but start somewhere. As adults, we have to plan ahead, be responsible, and be good stewards.

Reflection
What are some changes you are looking to make to better steward your finances?


Disclaimer
We, at Fruitful & Fabulous/Tannika Nikeya, are not certified financial planners or financial advisors. We do research and reference the sources that we use within our writing. The information provided should not be used as financial advice; it is used to promote financial literacy, financial literacy based from the Bible as well as discussion. The views, some of the experiences, and opinions on this site are that of the authors. Any suggestions or investment advice should be reviewed by a financial professional before acting on them.


This website will never share your email address or any of your personal information with a third party for any reason. We are excited to encourage financial literacy and health but it is your choice whether or not you use the information provided and at your own risk.