Christmas is looming and it is a time that we spend way too much money, leaving us with debts to pay off long after the holiday season is over.
Are you generally an overspender putting more and more debt on credit cards, store cards etc?
Then the suit of Pentacles can help you.
Although each card in the Tarot (from Major Arcana to the suits of Cups and Swords) can offer insight and advice on resolving your money issues, the suit of Pentacles is focused on money, possessions, home and wealth.
Suit of Pentacles – Money Lessons and Advice
Ace of Pentacles –May represent the beginning of new investments or the willingness to undertake a new business venture. There is also the possible indication of a legacy or influx of money from an unexpected source. The Ace of Pentacles heralds a feeling of prosperity and abundance and should be accepted joyfully. It is a very positive card in general.
Aces are all about planting those seeds that – when nurtured well – will turn into something precious and valuable,
What to do: start a savings plan, even if you just invest a little every month. Spending money on a training course will pay off if it enhances your skills and you can apply it in your work or business. Invest money.
What to avoid: risky investments, get rich quick schemes, spontaneous purchases and reckless spending you won’t have anything to show for later.
Two of Pentacles –a card of good time management and financial management, ensuring that your bills are paid on time, that you keep a record of all your appointments and daily commitments, etc. It may sound tedious having to focus your attention on these more mundane issues but this card reminds you that sometimes getting on top of your daily affairs is as important as pursuing your broader life goals.
What to do: be ruthless and cut out any unnecessary spending. Identify areas in your spending pattern, where money just leaks away without you noticing. Take time to make an income and expenditure sheet.
What to avoid: getting into debt; ignoring financial warning signs, hoping for the best.
Three of Pentacles –Effective planning, management and organisation of your money and financial commitments are key components of the Three of Pentacles. This card therefore, reflects a time when it is essential to create a detailed plan and to follow it. If you need to spend money on a project, your home or your business, invest wisely.
What to do: invest your money into something, that restores and increases value. Focus on your living or work space, where you spend a lot of your time. Upcycling, e.g. furniture and old soft furnishings. If you invest in your business, seek professional advice. Focus on quality.
What to avoid: cutting corners to save time and money; this won’t pay off in the long-term.
Four of Pentacles –Although this card shows a practical and financially stable person, it often indicates possessiveness, greed and an overly cautious approach to life. You may be afraid to take risks, both financially and emotionally for fear of losing everything that you have attained so far. As a result, you may be vaguely unhappy and unfulfilled.
It’s good to be in control and be careful with your spending, but sometimes it’s not so good to skimp, especially on necessary repair bills, essential foods and clothing. You can enjoy life and have a good time without blowing all your life savings.
What to do: re-evaluate your savings and spending pattern and make some adjustments
What to avoid: high-risk investments; putting all your money in one basket; depriving yourself (and loved ones) of luxury you can easily afford
Five of Pentacles –The Five of Pentacles indicates difficulty with your relationship to money and material things. If money becomes the primary motivating force in life and the gauge by which you judge your worth, the lack of it may produce anxiety and a sense of being excluded from the good things money can provide. For example, if you are unfortunate enough to encounter financial difficulties such as the loss of employment or an investment gone belly-up, you may fall into the trap of losing faith in your ability to recreate a positive financial situation for yourself. Therefore, you should not only consider your actual financial circumstances are but also your attitudes and beliefs toward money. What fears do you have around money and wealth? Are you anxious about never having enough, or do you have faith in your ability to manifest what you need to live a prosperous, fulfilled life no matter what your circumstances? Often wealth is based as much on your psychological state as your actual financial state.
What to do: reduce your spending to the bare essentials; review your remaining assets; consider selling some of your possessions, but also explore how you can make money using the knowledge and skills you have. Ask for professional advice and help, if you have debts or lost your job. Work on your money blocks and limiting beliefs.
What to avoid: isolation and trying to fix your money problems all by yourself; ask for the help you need and are entitled to. Money blocks and blaming others.
Six of Pentacles –You are in harmony with your money. The amount that comes in and the amount that flows out are in balance, and you are thankful for what you have without being grasping of it, and happy to share with others in need.
What to do: repay a debt to stop it from growing. Offer financial help, if you can afford it. Consider donating to and buying from charity shops to support good causes. If you are entitled to benefits, apply for them.
What to avoid: don’t let your generosity be exploited; watch out for cons, who appeal to your kindness. Borrowing money, increasing credit card debt.
Seven of Pentacles – Money keeps trickling in steadily, you are reaching the end of a difficult period of financial or material difficulty and you are now experiencing the rewards of hard work and effort.
What to do: find new ways to add an additional income stream. Invest in a business venture you are keen to work on, but don’t give up your day job yet. Make sure you always have your basic living costs covered. Start a new savings plan in addition to the ones you already have.
What to avoid: rash decisions and indecisiveness. Take your time exploring opportunities, but don’t ponder on them forever or you might miss them.
Eight of Pentacles –The Eight of Pentacles is the encouragement to keep doing what you are doing as it will eventually lead to success. Yes, it requires a lot of dedication, focus and patience but as each day passes and as you stay true to your values and beliefs, you get a little closer to your goal. It may not be as apparent as you may like but events are unfolding that will lead you to the right path. Continue working on yourself, too, and making ongoing improvements and adjustments to ensure that you are the best person you can be.
What to do: invest in learning a new skill or enhancing an existing one, it can help you demand a higher salary in the future without working your socks off. Applying for funding for a business project or further studies.
What to avoid: cashing in a savings plan prematurely. Making major financial changes.
Nine of Pentacles – is about enjoying the good life and the fruits of your labour. You have worked hard to get here, so now, sit back and relax and enjoy some of life’s luxuries. You deserve it! Do not be afraid to splurge, indulge or pamper yourself, particularly if it is a reward for all of your hard work. Treat yourself to something special.Trust your instincts in money matters; you tend to be on the right track. Investments in land and property are likely to offer an excellent return in the future. Good money management gives you a feeling of abundance and stability.
What to do: reap the rewards of your hard work and enjoy the good life without going overboard. Maintain and nurture what you have. You may not lack anything now, but ensure you won’t lack anything in the future. Focus on self-reliance and financial independence.
What to avoid: complacency and recklessness with money.
Ten of Pentacles – is a card of affluence and wealth. You are blessed with material abundance and are now free from any sort of money troubles. You feel financially secure and you are fortunate enough to have luck and success on your side to ensure your financial reserves are high. Create a legacy and ensure you and your family are taken care of.
What to do: If you are due a payout on any policy, consider re-investing it to build on what you have already gained. Sell anything that has no sentimental value to them if they just collect dust in the attic. Invest money into to savings and investments.
What to avoid: becoming a slave to your debts and material possessions or being too attached to material things. Hoarding rather than selling.
My top tip for improving your money situation:
Track your money daily, incoming and outgoing so that you have an exact record of where your money is going. This way you can identify careless spending and make adjustments.
By writing down each and every expenditure, you gain control and make better decisions on where and what you spend your money on.
Using the Pentacles for advice on finances.
Simply remove the ten pentacle cards from your deck, shuffle them and draw a card. What information does it give you regarding your finances? What actions should you take?
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