Image from Black Girl Heal website article: When You Can't Pay the Bills
Money

When You Can’t Pay the Bills

Hello, my beautiful sisters. 

Today, I want to speak to the heart of a struggle many of us face: the worry and fear that comes when you can’t pay the bills. It’s a heavy burden, one that can feel all-consuming, draining your joy and leaving you questioning how you’ll make it through. 

But in the midst of this struggle, I want to remind you that you are not alone.

When you can’t pay the bills, you can trust God to provide.

Empathy

Sister, I see you. I see the sleepless nights, the anxiety, and the tears. I know the weight of wondering how you’ll cover rent, utilities, or groceries. 

Maybe you’ve tried everything—cutting back expenses, picking up extra work and side hustles, even borrowing—but it still feels like it’s not enough. That fear can make you feel stuck and powerless, as if there’s no way out. It’s okay to acknowledge that this is hard. 

You’re human, and this struggle is real. But you’re not walking through it alone—God is right there with you.



Reframing the Focus 

When financial struggles overwhelm us, it’s easy to focus on what’s lacking. But what if this challenge is an opportunity to lean into God’s promises? God is our ultimate provider. He knows our needs before we even speak them, and He cares deeply about every detail of our lives. 

This isn’t about ignoring the practical realities—it’s about shifting your perspective from fear to faith. 

Instead of asking, “How can I fix this?” start asking, “God, how are You working in this situation?”

Trust that Change is Coming

Sister, remember that God’s provision doesn’t always look the way we expect, but it is always enough. 

He can open doors you never imagined, connect you with people who can help, and give you peace that surpasses understanding even in the hardest moments. 

Trust that He sees your struggle, hears your prayers, and is already working to meet your needs. Lean into His strength, knowing that His love for you is constant and unshakable.

Image from the Black Girl Heal website article: When You Can't Pay the Bills
Credit: Canva

Uplifting Call to Action 

Let’s take a few steps together, my beautiful sisters, to move forward with faith:

  1. Pray with boldness – Take your worries to God in prayer, laying everything at His feet. Be honest about your fears and needs, and ask for His guidance and provision.
  2. Take practical steps – Review your financial situation with fresh eyes. Is there an opportunity to seek assistance, connect with resources, or find temporary work? Invite God into these decisions.
  3. Trust His timing – Remind yourself that God’s answers often come in His perfect time, not ours. Be patient and open to the ways He may provide.
  4. Celebrate small victories – Whether it’s an unexpected gift, a helpful connection, or a moment of peace, acknowledge and give thanks for every sign of His care.
  5. Encourage someone else – When you’re struggling, it can feel counterintuitive to      pour into others. But sometimes, encouraging someone else in their hardship can remind you of God’s faithfulness in your own life.

Sisters, financial struggles can feel like a storm, but storms don’t last forever.

God’s provision is like a steady anchor, holding you firm until the waves subside. Keep trusting, keep believing, and know that He is with you every step of the way.

You are loved, you are seen, and you are provided for, my beautiful sisters. Hold on to hope, because God is already working on your behalf.

Author

  • Shelia Huggins Photo for Black Girl Heal Blog

    Shelia Huggins is a 20+ year attorney who has helped clients with their business and personal legal challenges. She blogs at Black Girl Heal to provide insight and practical strategies for those seeking to heal the struggles of their wallets, mindsets, and lives. Known as "Ms Legalista" on YouTube, she is passionate about helping people find their path and achieve the personal success they've been looking for.

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