Having a pen or a pencil in your dream may be symbolic of your need to communicate with yourself or others.
Our ability to communicate through written language is a vitally important and necessary part of life. When we take our pen and write a check to pay bills, it can still be considered a form of communication!
Writing is a form of self-expression, provides us with another way to think and express our thoughts.
Dreams with writing tools in them, may be an encouragement for you to write and communicate. Whether you need to communicate with yourself or others, in private or professional life, is up to you to determine.