How To Have Your Needs Met On A Low Paycheck

women in the workplace

This is a serious dilemma women face in the workplace, because I know at some point in our lives we have all felt, overworked, overlooked and underpaid!

So, how do we get our needs met on a low paycheck? Y’all may throw stones at me when I say this but, you have more than enough with what you have now. I know you are tired of hearing that but that is the message, so don’t shoot the messenger. This may sound nice, but what are some practical applicable tools we can do, to make our paychecks meet every one of our needs?

The solution is in the easy scripture breakdown below.

John 6:1-15

After these things Jesus went over the Sea of Galilee, which is the Sea of Tiberias. Then a great multitude followed Him, because they saw His signs which He performed on those who were diseased. And Jesus went up on the mountain, and there He sat with His disciples.

We know Jesus can’t be overworked but even He needed a quick timeout from the people, hence going on the mountain. First thing to note about your budget, don’t get overwhelmed! Take some time to get your mind right by finding your mountain, quiet time and space to think clearly. Stop taking on so much when your mind is not clear, first.


4 Now the Passover, a feast of the Jews, was near. Then Jesus lifted up His eyes, and seeing a great multitude coming toward Him, He said to Philip, “Where shall we buy bread, that these may eat?” But this He said to test him, for He Himself knew what He would do.

The multitude in this passage represents responsibility. See Jesus and His disciples had a responsibility (to feed the people) and the responsibility was great, just like your needs. Your gas, car, electric, credit cards bills, student loan, mortgage, cell phone bill… seems like a multitude! Jesus asked Philip a question to test him because He already knew what to do. Jesus knew HOW to feed the people and with WHAT. God is literally testing you on your life problem solving skills. Again, don’t panic.

Philip answered Him, “Two hundred denarii worth of bread is not sufficient for them, that every one of them may have a little.”

Philip’s answer was based on how much he had at the moment. He was telling Jesus that with what he had at the moment, it is impossible to meet the need. How many of you feel this way now?


One of His disciples, Andrew, Simon Peter’s brother, said to Him, “There is a lad here who has five barley loaves and two small fish, but what are they among so many?”

Maybe, you have even accessed your savings account, secret stash and still have come to the conclusion that even another source will still not be enough to meet your needs.

10 Then Jesus said, “Make the people sit down.” Now there was much grass in the place. So the men sat down, in number about five thousand. 

The first thing Jesus instructed the disciples to do, was to get the multitude organized! He said, make the people sit down in groups. ORGANIZE YOUR FINANCES! Take a pen and a piece of paper and began to bring order to your salary, spending habits, unnecessary spending and other things. God moves in decency and order, not chaos!

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11 And Jesus took the loaves, and when He had given thanks He distributed them to the disciples, and the disciples to those sitting down; and likewise of the fish, as much as they wanted. 

How many of us give thanks and ask God to bless our money before we pay for things??? Most of us don’t, we just grunt and pay. I can just tell you from experience, a blessing and thanksgiving over your finances will do more for you than what you can do for yourself. Notice that Jesus went to the source before He went to a boss. Jesus could have asked the boy if he could spare more or from where he got the fish and loaves from, but instead He went to the highest power in His Father and blessed what He had. The only reason the disciples had enough and more to feed the multitude (responsibilities) is because Jesus was grateful and thankful with what they were given.

The overflow starts with our posture and then it flows to our pockets!

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12 So when they were filled, He said to His disciples, “Gather up the fragments that remain, so that nothing is lost.” 13 Therefore they gathered them up, and filled twelve baskets with the fragments of the five barley loaves which were left over by those who had eaten. 

And last but not least, what are you doing with the money you have left over? If you did a checks and balance of your finances, you would see that you do have some money (it may not be a lot but its something) that can be used for other things.


The reason why has started a #SaveYourSEED Challenge, is because we have a tendency to engage in frivolous spending, buying things just because and investing our seed in unfruitful activities and things. The #SaveYourSeed Challenge started in the beginning of this year and we just save $50 each weekend until March 31st to help fund our 2018 God-led vision. Maybe you should start sacrificing and saving SOMETHING to help with your, “multitude” for the month.


One comment

  1. I agree with you Janay, but I also believe that tithing should absolutely come first. It is important to begin to understand the dynamics of giving of your first fruits back to God and you can be ENSURED of a bountiful blessing. So many of us look at our money or paycheck as not being enough to tithe or even consider tithing. However, when we do this, we really are not thinking like a child of the most high God…there is nothing that is impossible for him to do.

    There have been so many times in my life and career when I have had so many obligations and in the natural could not even begin to know how I was going to meet them all. But I am a tither…and when I have trusted God with my 10%…God has always showed up and showed out on my behalf. When I thought that I did not have…God has said but you do…Trust me and I will show you that I am the God of the Universe. Psalm 50 reminds us that”every animal of the forest is mine and the cattle on a thousand hills. I know every bird in the mountains and the insects in the fields are mine.” The Psalm goes on in verse 14-15..Sacrifice thank offerings to God; fulfill your vows to the Most High and call on me in the day of trouble..I will deliver you, and you will honor me.

    It really works. I have had money left over after tithing and have wondered how I have been able to take care of all of my expenses,…But God! It’s a good and wonderful thing to have a Father like that.

    Love you sweetheart, continue your work in the Lord and he will bless you beyond your imagination. Love you to life!

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