I’m Overwhelmed By Bills! Now What?

Trish Crossley

Sitting on the floor in the hot shower, tears streamed down my face with the same intense force as the water from the spigot above me. I felt like my heart was caught in a vice grip closing a little tighter with each gasp I drew in and sob I cried out.

“Why are you letting this happen to me, God?”

My finances were a wreck. I was working full-time and trying to be a good mom, but I had still fallen behind on bills. My temporary solutions were digging a deeper hole as if applying Band-Aids could help a hemorrhaging wound. And on this day it was only going to get worse. Not only was I going to have to try to avoid the pre-school director because my kids’ tuition was past due, I had also received notice that my vehicle would be repossessed that afternoon.

Looking back, I see how God used these circumstances to show me more of who He is.

3 Things I Learned By Being Overwhelmed By My Finances

1. God is greater than our circumstances.

I cannot say I successfully avoided the pre-school director and my vehicle was not repossessed that day; however, I did see God’s hand all over my circumstances.

The director greeted me upon arrival and I apologized for my kids’ late tuition payments. Afterward, we talked and found a solution by creating a payment plan. That afternoon, God showed up again. I took the past-due financed vehicle to the lender’s office and turned in the keys (saving them the trip and me the additional embarrassment of repossessing it while I was at work). A family member met me there and graciously helped me get a more affordable used vehicle. God is always at work in our circumstances for our good and His Glory.

2. God’s plans are greater than our plans.

Jeremiah 29:11 says: “For I know the plans I have for you, declares The Lord, plans to prosper you and not harm you, plans to give you a hope and a future.”

Even on our worst days, there is hope! God has given us a living hope through Jesus’s death and resurrection. If you are a follower of Christ, you have received the gift of eternal life (1 Peter 1:3-4). No matter what we face on earth, knowing that Jesus overcame death and we one day we will, too, gives us a reason to hope.

If we can trust Him with our eternity, we can trust Him with tomorrow.

Jesus tells us not to worry about tomorrow but instead earnestly seek Him (Matthew 6:27-34). God has a plan for all of our tomorrows. If we can trust Him with our eternity, we can trust Him with tomorrow.

3. God is for us, not against us!

When the world closes in and there’s nowhere else to turn, we are not alone. Let’s get real. If God were out to get us, we would be got by now! The moments when we feel like all we can do is pray are the moments when we recognize prayer is our greatest weapon (Matthew 21:21-22). Prayer isn’t one thing we can do, it’s the best thing we can do.  

Now, I have resolved to stop asking, “Why are you letting this happen to me, God?” Instead my prayers are, “God show me what I need to learn through this circumstance and help me trust that You have overcome.”

If you’re overwhelmed by your finances, you can overcome. Trust God and ask for help. NewSpring offers free, one-on-one financial coaching. Go here to learn more.

Related Content

to Discover More


Three facts you need to know if you’re anxious about money

anxiety money stress

It’s the end of the month, the bills are still coming in but payday is still a week away. The fridge is bare,... read more

Read Article


A Church That Gives

money church generosity giving tithing

Want to be someone God can trust with more? Discover three principles of life-giving stewardship and see why ... read more

Watch Sermon


"Overflow" toolkit

money joy generosity missions blessing kingdommentality

How to live every day for our joy, God’s glory, and the world’s good!

Read Article


God always shows up

money provision

God often shows up in the most unexpected situations. In Genesis 43, Jacob’s family is suffering from a famin... read more

Read Devotional


What "storing up treasures in heaven" really means

heaven eternity money generosity greed

“You’ll never see a U-Haul behind a hearse.” Preachers have used this old saying for years to explain a simp... read more

Read Article


Top resources on money


Money is the leading cause for marriages ending and depression. The Bible gives us clear instructions with ou... read more

Read Article


Five actions that show we put God first with our money

money generosity tithing put god first

We’ve all heard the expression “put your money where your mouth is.” We show with our actions, not just our w... read more

Read Article


What does it mean to put God first?

money bible time management accountability following jesus put god first

My husband and I have been on a debt-free journey ever since we got married. Although, if I’m being honest, w... read more

Read Article


How to tithe and why it matters

money greed tithing

I’d like to tithe, but I can’t afford to.  Isn’t tithing kind of old school? Do people really do that? The c... read more

Watch Article

What's happening at NewSpring Church?

  • Need to Know: Weekly email to keep you informed about what's happening at NewSpring
  • Fuse News: Email for Fuse parents sent on the first Monday of the month
  • KidSpring Scoop: Email sent at the beginning of each series to give you the scoop on what's happening in KidSpring
  • Read My Bible: Daily devotional sent via text from 6-7am