Feel Like You're Always Broke? Here’s What to Do To Stop Being Broke! (9 Key Tips)

[@angeloflove5439]

#1: Adjust your mindset (stop saying I am always broke; instead ask yourself why am I always broke) #2: Work on your self-discipline #3: Stop borrowing for everything - stop using your credit card for convenience #4: Make a plan to pay off your debts #5: Stop putting off savings until you earn more money #6: Start investing #7: Stop competing with other people #8: Stop being scared

[@choongamoonga8765]

Thank, great summary

[@5pctLowBattery]

#0: have a job…with livable wage.

[@michaelkoii9672]

Admire that. I have a terrible problem with all of those.

[@lalasng8643]

Thank you so much for this:)

[@michelemiller3294]

So awesome I would love to learn more on how to save

[@MzVan21]

What I've learned is to pay yourself first.get in a budget.and move like like your broke.dont live above your means all things I've changed about 5years ago and so far so go.

[@briannadau]

The stop competing piece is so true! I see so many people gathering material things for NO reason other than to say they own it.

[@Abbas_Daughters]

As a woman of color this channel has really helped me in so many ways as I was not poroperly educated on finances one thing I’m sooo glad my mom told me was to not get into credit card debt from her experience and I literally only have 2 credit cards that I pay on! My goal is to really take hold of my debt 2022!

[@kenyonbissett3512]

I got paid every 2 weeks. A coworker/friend used to borrow $20 every week before payday. Every payday she repaid the $20. I just kept the $20 in my desk to loan to her. I tried to get her to save for retirement. She always said I don’t have the money. I told her to invest the minimum $25 each pay period. I told her she wouldn’t miss it and if she did I would give her the money, not loan it. In a moment of weakness, she signed up. After a month she came to me and said you’re right, I don’t miss it. Another month later she stopped borrowing the $20 a week before payday. Six months later she came in excited, she had saved $300 for the first time in her life. Two years after she started, she said “I have $1,200+ in my retirement account that I saved. For the last 18 months, she had stopped the complaining about how she was always broke. She was self confident, happier.🎉 I was so happy for her. It’s amazing what $12.50 a week did for her life. It actually was more like $8 because of tax savings. Oh and I never had to give her the money as I promised. There is a Federal Retirement Savings Contribution Credit (Saver’s Credit) Form 8880, towards retirement. It is for low income earners. But, hey, everyone starts somewhere.

[@LevenLyfe]

I don't feel broke. I just go into panic mode when my funds become lower than what I would like it to be.

[@Shan_baby4u]

Thank you I woke up in tears because I have been working and my paycheck is always spend the same day. Your voice helped me so much

[@choosetoshine2610]

Love the background setting! Excellent content as usual. Thanks!

[@Clevergirlfinance]

Thanks for watching Paula!

[@artedigitaluniverso]

Your place is so beautiful, amazing. Thanks for sharing.

[@villamathilda6984]

Rewatching this to keep me on track!😀👍sending love from Sweden 😀❤

[@jenniferbell4632]

Thank you for this amazing guidance! I especially love and appreciate your focus on mindset, habits and taking action (even small actions) - these are so key for me! This video is so appreciated, thank you 💖💖💖

[@zwelimahlangu4532]

Thank you for your advice😘😘

[@ericeichstaedt2357]

Thank you. I almost completely depleted both my checking and savings/emergency accounts due to.out of pocket health expebsed over the course of a year, and now haven't been able to work overtime because of being a caregiver for parents. I just feel horrible like everything I gained and sacrificed for was for nothing. Now I have to start from square on again and do the basics: keeping to the budget, saving a certain amount no matter what even if seems small, and not beat myself up. And be consistent more important that wowing myself. And not feeling ashamed and worrying about if I look unsuccessful to others. I can only control what I can control, and if I take responsibility, there's hope and I can keep my chin up. Your support is so invaluable. I just feel better listening to you because you really understand people's financial and emotional issues and are so supportive and practice and wise

[@susanprice7202]

I'm so new to all of this...but these videos are helping tremendously. They are just what I need to get going with all this! Thanks!!

[@Clevergirlfinance]

I'm so glad!

[@rodrickmadangu6122]

I've realised my mistake and i won't repeat it thank you so much clever girls

[@roderickdevon2277]

thanks a lot. I need to watch this video every single day. I deal with fear among other things that sucked my accounts dry. It's hard starting all over again. Very stressful. Thanks again. Looking for more videos from you. God Bless

[@mabel.e.kgalley9710]

I love the way you are soooooo relaxed and hitting on the truth. You are indeed a clever girl. Thanks for the information.

[@Clevergirlfinance]

Thanks sooo much for being here!

[@kathleenharris8824]

This is so important. Self discipline is vital. I am thinking about retirement.

[@Clevergirlfinance]

Yes! Thanks for tuning in!

[@MB-xv7er]

It’s not that people are “acting” in counter intuitive ways… it’s that majority of people are in poverty and there is NO way to escape it if you have to pay rent, car notes, etc. you have a better chance of getting rich when you don’t have to have responsibilities

[@brynnk2518]

I think this is fair perspective to take into account for building wealth , and I also think there is always a way to be in a better position then you already are . For some people building wealth just comes more quickly and for others I think it just comes more slowly but in whatever circumstance you are in there are opportunities to build more wealth in someway and that's always worth listening to.

[@nikkiknows1545]

This is so very true. I’ve been used to going out to get a different car once any signs of problems start to arise…now that I have changed my mindset, I have literally purchased a good, reliable vehicle that I’ve owned for 8 years now with no car note and I am so happy. Do I want a new car? Absolutely! Do I need a new car? Nope. I’m saving my money and spending it on other things that bring more value to my life, especially since I am working from home during the pandemic.

[@adriancarrillo2749]

@@nikkiknows1545 Same! I was planning to buy a car on 2020. I paused it cuz I’ve been on Home office for two years. I cook more at home, spend less on transportation, etc.

[@nikkiknows1545]

@@adriancarrillo2749 That’s exactly what I’ve been doing too!! 💪🏾 It’s hard at times to not buy something on impulse but we can do it.

[@adriancarrillo2749]

@@nikkiknows1545 I even lost 35 pounds eating more at home and with some exercise. It’s been a win-win haha. It’s great to know we’re not alone in this journey.

[@ashleym6765]

Thanks for the tips...sidenote: you are very pretty!

[@dorothyschlaak6548]

Ashley is right! You are very pretty! And your tips are great!

[@Sandy-bp9yv]

She's very feminine too...

[@earthbarnes6694]

She is"very beautiful

[@tomasgustafsson2331]

These guys commenting how beatiful you are, they are unfortunatley training on Springsteens song I wish i was blind instead of taking responsability for their money !!. And yes I agree you are a very Nice woman.

[@nanaaddae8623]

I second this statement.

[@SuperNitenurse]

Your content is so clear true to life easy to follow and be inspired by. I have personal experience that when you stop thinking of your money as being small and just get into the habit of putting it away it becomes a joy to see it grow despite the small amount.

[@newnew-mv1uj]

Yes yes

[@olalekanoluwaseun643]

Hello there! I'm a new subscriber and really grateful to you tube for suggesting this video. Thanks for the beautiful tips. They are so right for me

[@otomeleifu]

My uh…my mom sent this to me. I’m trying to learn business stuff and trying to do things properly but she being real loud about my financial struggles 😭

[@ajokenoni3239]

New sub. Love the way you explained everything. I am working on self discipline this year, and stop shopping unnecessarily. Yes, I can do it.

[@bigvalley4987]

Yes you can do it. Yes You Can!

[@LifeUnfilteredWithTahira]

I don’t know why this came up on my feed but I’m glad it did. Great advice and information, thank you.

[@amazinggracekuria871]

Great one for starting a new year..

[@mibikolapo7483]

I just found CVF and I am loving it 💃

[@RosyJones]

Stop borrowing for everything, So true!... Thanks for sharing ♥️

[@missmaomi28]

Thankful to have found your channel!

[@Clevergirlfinance]

Thanks for being here!

[@funnyvideoclipschannel5164]

Thanks for the advice, I am really in debts ...

[@naserianmanyando9849]

Thank you for your brilliance and for your willingness to share it. This has become part of my first 5 important things in the morning.

[@oldschoolbudgets]

So glad your channel came up. You are spot on.

[@phairthyleeves3918]

This has helped me in so many ways..... I need to watch this every single day.. thank you so much for this great video.

[@sadee.mooretv]

Great question but no I don't feel this way! I've seen a few of your videos and they are helpful but no, I don't feel broke at all!!!

[@JonesJr876]

When Bola says 'Bank', it sounds like a lovely soft plush comfortable place.

[@abekeokoyen522]

Wow, Buy now and pay later, is really one of the key problems that lead us to be in debt for some long time, especially when your income is not enough to take care of your future. Also subscribing for datas and unnecessary phone calls too, also away of draining our pockets which we don't fine time to calculate. All the 7 tips are too important tips for we to avoid. If we follow these tips and recalculate ourselves and minimize it at the end the day we will realize how much we save. Thank you Boss. Am very happy for this money draining habits to avoid.

[@sadee.mooretv]

I find that as long as I have money for what I enjoy and can save is most important to me!

[@CornellSandifer]

You gave some good advice most of which I have done for long time but it was only after I got divorce that all of it started working overtime and in overdrive, sometimes! it's not cheaper to keep her.

[@Clevergirlfinance]

Thanks for tuning in!

[@jennifergonzalez3895]

I’m so glad to have found your channel

[@Clevergirlfinance]

So glad to have you here!

[@synthiacollins2139]

Thank you clever girl, for this video.I know this topic was discussed two years ago, but the topic is right on point today in 2022. Thank you again! for the tips you take to apply this. Amen you have to change your mindset 🙏

[@Clevergirlfinance]

You are so welcome

[@lightbefore1050]

Thank you for this intervention!

[@veronicaadeya4474]

Much appreciation for ur video#paying off debt this is my biggest problem and want to start working on it thank you dear. #much 💕 from Kenya

[@doreenpeck2714]

Really Clever tips! The name fits so welll! Thanks very much.

[@annaahmed2564]

You are very educated woman sis and I love that thanks for sharing keep it up good work..

[@pamelacallaway3922]

Excellent information. Thank you. I’m happy that I do many of these things and am working on a few other items in your list.

[@giovanialek-wekchipsah2788]

You are on point.... Thanks very much for sharing such an amazing idea

[@MadebySOMI]

You are so right. I made so much money last year as a pharmacy manager. And I literally only have a few thousand to my name. I recently decided to put 2k of that 3k+ in a high yield savings account with synchrony at 4.01%. Debt and bills are so hard. No matter how much you earn.

[@atienokings6214]

I love the simple way you put across these points, thank uou

[@portiawebb533]

Thanks for these EXCELLENT tips, Bola and for taking the time to share them with us! Eradicating fear is key. 🙌🏽 I love your anecdote about driving to the bank to deposit $1.... *Powerful! ✨💫 It IS worth it. (-Also, quit listening to OTHER people, because someone once told me that it WASN'T worth it!!! 🤔) However, if a house is on the market for, $600,000 and you only have $599,999 can you still pay for the house?!? -(the extra $1 will be the determining factor and has to come from somewhere, so, it IS worth it...!)

[@Clevergirlfinance]

Portia Webb thanks so much for watching!

[@portiawebb533]

Clever Girl Finance Love you, in Christ, Bola❣️

[@TheGenflute]

I love the idea of asking your emotions to be quiet. What a great concept!

[@pinkykollie4860]

Thank you so much for these tips

[@terrellbembry9935]

The majority of the money I put up a month is around 850.00. The minority money that I put up weekly is around 250

[@alexa574]

Just found you, you have great information. Thank you for sharing.

[@kerenkares4473]

Thank you for your encouraging words for our financial future and peace of mind soon to be living debt free 🙂🙂🙂

[@fastestyouth]

You’re a beautiful black woman❤️. Felt such joy watching and listening to you.

[@JaieKeller]

Hi Bola! I ordered all your books, well I had two get the Sude Hustle and Investing one. But I see you don't have the goal planner on Amazon😮. I need that one. But get this I budgeted for it, even though it's a small amount. You are clear and concise in your wirk to empower us on our finances. I love you!

[@gazelle20111]

I needed to hear these words of wisdom. You remind me of a Nigerian. Your accent and also someone I know who went to boarding school back at home.

[@j.soniaedwards7913]

Great practical points.

[@tonyasilvey9666]

Thank you for always breaking it down and making it relatable!! I love all the subjects you offer on your web site and for free!! I have you 3 books in my cart on Amazon to purchase!!

[@franklinstephen3268]

Hi 👋 dear, how are you doing?

[@tonyasilvey9666]

@@franklinstephen3268 Doing OK

[@franklinstephen3268]

@@tonyasilvey9666 it’s my pleasure meeting with you here. Where are you texting from?

[@sheilarodgers800]

Thanks for sharing. Great tips for me to live by.

[@bethkomu4401]

Of great help...God help me especially in self discipline and in planning to settle my debts...and start a fresh in saving...investing.....Thanks

[@chinenyeigwe372]

Thank you so much for this tips 👍👍👍

[@ayandanobatana7255]

South Africa in the building thank you for all the info.U are God sent.

[@kensiedareus3271]

Thanks a lot 🤔 blessings 🙏

[@sharonkour9721]

brilliant video and expalined well very understanding and clear Thank you so much gives me some hope. Your wonderful Thank you

[@maryburton9308]

I'm glad I found you. You share amazing knowledge. I'm in this space you're talking about.

[@emilyharieta7357]

Thank you for sharing your money tips really appreciate it. Great insight.

[@dinisibiya7493]

Best content, thank you wise Lady for assisting and guiding just what l needed, may the good LORD continue to bless you, you just gave me so much hope.

[@annamoonlight7223]

Yes! I totally agree. I liked and shared this vlog 💕

[@shylett]

Thank you so much, I needed to hear this.

[@Clevergirlfinance]

You are so welcome

[@GirlieWestphalenV]

I hit that subscribe button so quick. Thanks for your tips and advice!

[@franklinstephen3268]

Hi 👋 dear, how are you doing?

[@winfridahbanda5739]

Just came across this. I appreciate the content.❤️❤️❤️👌

[@Clevergirlfinance]

We appreciate you being here!!

[@DeborahEli-k3g]

I'm truly blessed.watching from Papua New Guinea

[@TheHoriginal]

Great work!!!! You’ve done a great job on this video

[@Clevergirlfinance]

Thanks for tuning in!!

[@jaaxyjackie]

Thanks for the structural advice.

[@KindlybyQ]

Love this! Very informative and well said thanks sis💐

[@kanishajoseph1930]

Great Tips! Straight Facts!!

[@smartid.5324]

Excellent Video!

[@carlawalker4671]

Wonderful advice w/very healthy financial habits. Thank you 🌻.

[@starticegalmore8602]

AWESOME video. I feel better already! ❤️

[@vanisacampbell5261]

# 5 was very informative thank you..new subscriber

[@codenameblazer]

What about the people that work AT the mall? 😅 As a young adult I worked at multiple stores inside the mall and would literally give all of the money I earned back just to shop. Which led to me having so much clutter in my home which I’ve just now gotten control over years later!

[@Clevergirlfinance]

Thanks for sharing this!

[@dorielmore107]

Great advice! I'm doing a reset so this is helpful :)

[@kateosmond1090]

I am really proud of myself. Since I started watching and listening to podcasts of personal finance management I have paid off 3 credit cards and one store card. There is only one card remaining. My goal is by January I should be debt free.💃💃💃

[@olusolafalore]

Aunty Bola....God bless you

[@sikazwejerry4620]

Educative video. In addition the spiritual attacks in Africa of destinies is very common. Hence misplacing the person economically and socially.God bless for the video contents

[@julianaamponsah2601]

Thanks for your tips may God bless you 😘🙏

[@lianacris7568]

Thank you for these tips! Excited to use these and make better money moves/habits this year.

[@soleyltoursandtravel]

Been looking for something like this thank you for the tips.

[@yetundealakija8259]

Thank you bola.I wish I can see you for physical counselling

[@stevenodoyo932]

Wow 👏😮I'm blessed. Thank you so much for this marvellous motivation.

[@PrettyPlanWithMe]

Thank s for these tips. Can you give advise about home loans. I currently have a HARP loan and want to refinance. Is this a good idea?

[@SamSung-jv3jm]

So I'm 4 days away from payday and I just purchased a mattress upgrade to replace my current mattress. The new one is a twin sized mattress that is memory foam and cost $300. Im hoping that investing in better sleep will benefit my time at work. That was basically all the wiggle room I had in my budget for this upcoming paycheck. The rest will go toward paying off the money I owe a friend immediately. But yeah I am feeling broke this week....Hopefully this big purchase will be the last one for a while. I really want to start saving money but I guess I should start off small and work my way up larger amounts.

[@jasintamumba3738]

New subscriber ... thankyou for this valuable information

[@Sandrabrown305]

Thank you for such vital information. It was needed

[@ettareid9140]

Thanks for the tips I will be doing it for the better financial future.

[@selmakalola4569]

Thank u so encouraging

[@tararamdhanie4573]

Thanks for your tip

[@pigversity]

Very educative, Bola! Keep it up

[@sandracooper7256]

Thank you.

[@johnathancommodore9642]

This is the kind of woman I want for my wife a prudent woman so hard to find.Women like her deserve loyalty to the maximum no man should ever cheat on a woman like her who knows how to be responsible.Those dress up dolls who think they are women cannot compete and is no where in this woman's league.She is beautiful and uses her mind wisely the type to really die for.

[@newnew-mv1uj]

Oh yes yes

[@kimberlyturner820]

I admire her as well.

[@royalty2924Love]

Dress up dolls🤣🤣🤣

[@patricelockertanthony7630]

While I understand the sentiment of your post; I have to flag some of your words. Cheating is all about the cheater's character, not their partner's habits. No man should ever cheat on their mate. If you don't want to be in the relationship; don't be in it. Cheating is wrong. No excuses. No rationales. No one's fault but the one doing the cheating. PeriodT.

[@alphamail8974]

You can uplift Women without putting down other Women 😂

[@marygorettimaambo5338]

Thank you for the tips 😊