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

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  • Опубликовано: 12 авг 2024
  • Let's talk about what to do if you feel like you're always broke! Becoming wealthy, achieving financial success, living life on your own terms - these are all things that many of us want for ourselves when we think about our futures.
    The reality is many will never actually realize their dreams of becoming financially successful, but not because they can't. But because sometimes people behave in ways that don’t promote their financial success, often without even realizing it. They sabotage their financial futures, ensuring that they stay broke… pretty much forever.
    Building wealth is about putting in the hard work, planning, consistency, discipline, and accountability and very importantly, maintaining good money management skills - regardless of your current financial situation or how much you currently earn.
    If you are in the space where you are always broke, I'm sharing 9 key tips to help you get over that feeling and start turning your finances around!
    It requires is intention, focus, and a plan but if you are ready, you can go from broke to having money in the bank and a solid financial plan for your future.
    ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-...
    ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog
    ❤ Follow us on Instagram: / clevergirlfinance

Комментарии • 284

  • @angeloflove5439
    @angeloflove5439 2 года назад +334

    #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
      @choongamoonga8765 2 года назад +3

      Thank, great summary

    • @5pctLowBattery
      @5pctLowBattery 2 года назад +9

      #0: have a job…with livable wage.

    • @michaelkoii9672
      @michaelkoii9672 2 года назад

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

    • @lalasng8643
      @lalasng8643 2 года назад

      Thank you so much for this:)

    • @michelemiller3294
      @michelemiller3294 2 года назад +1

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

  • @Abbas_Daughters
    @Abbas_Daughters 2 года назад +55

    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!

  • @MzVan21
    @MzVan21 2 года назад +36

    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
    @briannadau 3 года назад +66

    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.

  • @LevenLyfe
    @LevenLyfe 2 года назад +7

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

  • @roderickdevon2277
    @roderickdevon2277 2 года назад +9

    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

  • @choosetoshine2610
    @choosetoshine2610 4 года назад +33

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

  • @pamelacallaway3922
    @pamelacallaway3922 2 года назад +6

    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.

  • @phairthyleeves3918
    @phairthyleeves3918 2 года назад +4

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

  • @ashleym6765
    @ashleym6765 4 года назад +201

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

    • @dorothyschlaak6548
      @dorothyschlaak6548 2 года назад +11

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

    • @Sandy-bp9yv
      @Sandy-bp9yv 2 года назад +14

      She's very feminine too...

    • @earthbarnes6694
      @earthbarnes6694 2 года назад +5

      She is"very beautiful

    • @tomasgustafsson2331
      @tomasgustafsson2331 2 года назад

      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
      @nanaaddae8623 2 года назад

      I second this statement.

  • @villamathilda6984
    @villamathilda6984 3 года назад +17

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

  • @olalekanoluwaseun643
    @olalekanoluwaseun643 2 года назад +3

    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

  • @Shan_baby4u
    @Shan_baby4u 2 года назад +1

    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

  • @jenniferbell4632
    @jenniferbell4632 4 года назад +72

    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 💖💖💖

  • @oldschoolbudgets
    @oldschoolbudgets 2 года назад +8

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

  • @SuperNitenurse
    @SuperNitenurse 2 года назад +15

    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.

  • @naserianmanyando9849
    @naserianmanyando9849 2 года назад +1

    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.

  • @maryburton9308
    @maryburton9308 2 года назад +3

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

  • @MB-xv7er
    @MB-xv7er 2 года назад +16

    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
      @brynnk2518 2 года назад +3

      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
      @nikkiknows1545 2 года назад +7

      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
      @adriancarrillo2749 2 года назад +4

      @@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
      @nikkiknows1545 2 года назад +2

      @@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
      @adriancarrillo2749 2 года назад +2

      @@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.

  • @TheBronzeQueen
    @TheBronzeQueen 2 года назад +1

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

  • @JonesJr876
    @JonesJr876 3 года назад +11

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

  • @elfwriterbluemoon2244
    @elfwriterbluemoon2244 3 года назад +12

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

  • @giovanialek-wekchipsah2788
    @giovanialek-wekchipsah2788 2 года назад +4

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

  • @alexa574
    @alexa574 2 года назад +4

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

  • @dinisibiya7493
    @dinisibiya7493 2 года назад +1

    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.

  • @annaahmed2564
    @annaahmed2564 2 года назад +6

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

  • @RosyJones
    @RosyJones 2 года назад +2

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

  • @amazinggracekuria871
    @amazinggracekuria871 2 года назад +6

    Great one for starting a new year..

  • @ajokenoni3239
    @ajokenoni3239 3 года назад +57

    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
      @bigvalley4987 2 года назад +1

      Yes you can do it. Yes You Can!

  • @terrellbembry9935
    @terrellbembry9935 3 года назад +18

    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

  • @lightbefore1050
    @lightbefore1050 2 года назад +1

    Thank you for this intervention!

  • @ayandanobatana7255
    @ayandanobatana7255 2 года назад +2

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

  • @mibikolapo7483
    @mibikolapo7483 4 года назад +8

    I just found CVF and I am loving it 💃

  • @kerenkares4473
    @kerenkares4473 2 года назад +3

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

  • @KindlybyQ
    @KindlybyQ 2 года назад +2

    Love this! Very informative and well said thanks sis💐

  • @emilyharieta7357
    @emilyharieta7357 2 года назад +2

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

  • @lianacris7568
    @lianacris7568 3 года назад +11

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

  • @mabel.e.kgalley9710
    @mabel.e.kgalley9710 2 года назад +8

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

  • @starticegalmore8602
    @starticegalmore8602 2 года назад +6

    AWESOME video. I feel better already! ❤️

  • @susanprice7202
    @susanprice7202 Месяц назад +1

    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!!

  • @synthiacollins2139
    @synthiacollins2139 Год назад +2

    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 🙏

  • @sadee.mooretv
    @sadee.mooretv 2 года назад +1

    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!!!

  • @tonyasilvey9666
    @tonyasilvey9666 2 года назад +8

    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!!

  • @chinenyeigwe372
    @chinenyeigwe372 2 года назад +5

    Thank you so much for this tips 👍👍👍

  • @atienokings6214
    @atienokings6214 Год назад

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

  • @annangwema8873
    @annangwema8873 2 года назад

    Thank you sister you're the one I was waiting for, thanks for the tips

  • @kanishajoseph1930
    @kanishajoseph1930 3 года назад +7

    Great Tips! Straight Facts!!

  • @soleyltoursandtravel
    @soleyltoursandtravel 2 года назад

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

  • @Sandrabrown305
    @Sandrabrown305 2 года назад +4

    Thank you for such vital information. It was needed

  • @annamoonlight7223
    @annamoonlight7223 2 года назад +4

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

  • @stevenodoyo932
    @stevenodoyo932 2 года назад +2

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

  • @pinkykollie4860
    @pinkykollie4860 2 года назад +2

    Thank you so much for these tips

  • @CornellSandifer
    @CornellSandifer 2 года назад +8

    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.

  • @doreenpeck2714
    @doreenpeck2714 2 года назад +2

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

  • @kensiedareus3271
    @kensiedareus3271 2 года назад +2

    Thanks a lot 🤔 blessings 🙏

  • @veronicaadeya4474
    @veronicaadeya4474 2 года назад

    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

  • @j.soniaedwards7913
    @j.soniaedwards7913 3 года назад +10

    Great practical points.

  • @TheGenflute
    @TheGenflute Год назад

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

  • @jasintamumba3738
    @jasintamumba3738 2 года назад +1

    New subscriber ... thankyou for this valuable information

  • @carlawalker4671
    @carlawalker4671 2 года назад +2

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

  • @mssmarie1197
    @mssmarie1197 2 года назад +1

    I just discovered your channel, happy to be new subscriber !! I love your advice, ( i needed this)...and look forward to checking your videos :~)

  • @pigversity
    @pigversity 3 года назад +5

    Very educative, Bola! Keep it up

  • @missmaomi28
    @missmaomi28 5 месяцев назад +1

    Thankful to have found your channel!

  • @jaaxyjackie
    @jaaxyjackie 2 года назад +4

    Thanks for the structural advice.

  • @vanisacampbell5261
    @vanisacampbell5261 2 года назад

    # 5 was very informative thank you..new subscriber

  • @selmakalola4569
    @selmakalola4569 2 года назад +2

    Thank u so encouraging

  • @funnyvideoclipschannel5164
    @funnyvideoclipschannel5164 2 года назад +2

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

  • @sheilarodgers800
    @sheilarodgers800 Год назад

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

  • @sharonkour9721
    @sharonkour9721 2 года назад

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

  • @smartid.5324
    @smartid.5324 3 года назад +5

    Excellent Video!

  • @petermwidima8357
    @petermwidima8357 2 года назад

    Thank you very much for this tip, its so helpful.

  • @sikazwejerry4620
    @sikazwejerry4620 2 года назад +1

    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

  • @akankeoge6965
    @akankeoge6965 2 года назад +2

    Thank you so much for this video.

  • @bethkomu4401
    @bethkomu4401 2 года назад +2

    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

  • @portiawebb533
    @portiawebb533 4 года назад +81

    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
      @Clevergirlfinance  4 года назад +4

      Portia Webb thanks so much for watching!

    • @portiawebb533
      @portiawebb533 4 года назад +4

      Clever Girl Finance
      Love you, in Christ, Bola❣️

  • @marygorettimaambo5338
    @marygorettimaambo5338 2 года назад +1

    Thank you for the tips 😊

  • @gazelle20111
    @gazelle20111 2 года назад

    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.

  • @rodrickmadangu6122
    @rodrickmadangu6122 2 года назад +3

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

  • @sadee.mooretv
    @sadee.mooretv 2 года назад +1

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

  • @fufuamosesane3862
    @fufuamosesane3862 2 года назад +2

    Thank you❤️

  • @JaieKeller
    @JaieKeller Год назад

    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!

  • @paulinehoward
    @paulinehoward 2 года назад

    Thanks for your help. We need this information.

  • @tararamdhanie4573
    @tararamdhanie4573 2 года назад +1

    Thanks for your tip

  • @julianaamponsah2601
    @julianaamponsah2601 2 года назад +1

    Thanks for your tips may God bless you 😘🙏

  • @TheHoriginal
    @TheHoriginal 2 года назад +6

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

  • @titodoh
    @titodoh 2 года назад +1

    Thank you so much!!!

  • @Radiatorboysfunnytv724
    @Radiatorboysfunnytv724 2 года назад +2

    Thanks for the tips a lot to learn 🙂

  • @GirlieWestphalenV
    @GirlieWestphalenV 2 года назад +7

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

  • @lungilekhabela2123
    @lungilekhabela2123 2 года назад +1

    Like your videos its the type of video I listen to .

  • @jamyangpelmo5214
    @jamyangpelmo5214 2 года назад +1

    Thank you 😊 for the tips

  • @sandracooper7256
    @sandracooper7256 7 месяцев назад +1

    Thank you.

  • @papaniugini
    @papaniugini 2 года назад +2

    Love ♥️ good advice

  • @yetundealakija8259
    @yetundealakija8259 2 года назад +1

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

  • @liliandickenson2458
    @liliandickenson2458 2 года назад

    Excellent video!! Thank you 😊

  • @QueenOyinkan
    @QueenOyinkan 2 года назад +2

    Love finding this channel. Subbed cuz youre Nigerian lol 👏🏾👏🏾👏🏾

  • @linetattogo355
    @linetattogo355 2 года назад

    Thanks, great and extremely practical advice .

  • @Jojo111
    @Jojo111 2 года назад

    Thanks 🙏🏽 for sharing I spent money that isn’t mine I have to create my financial plans

  • @irenepearse430
    @irenepearse430 2 года назад

    Thanks for sharing

  • @PrettyPlanWithMe
    @PrettyPlanWithMe 2 года назад +2

    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?

  • @shylett
    @shylett Год назад +1

    Thank you so much, I needed to hear this.