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

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  • เผยแพร่เมื่อ 2 ส.ค. 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

ความคิดเห็น • 285

  • @angeloflove5439
    @angeloflove5439 2 ปีที่แล้ว +333

    #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 ปีที่แล้ว +3

      Thank, great summary

    • @5pctLowBattery
      @5pctLowBattery 2 ปีที่แล้ว +9

      #0: have a job…with livable wage.

    • @michaelkoii9672
      @michaelkoii9672 2 ปีที่แล้ว

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

    • @lalasng8643
      @lalasng8643 2 ปีที่แล้ว

      Thank you so much for this:)

    • @michelemiller3294
      @michelemiller3294 2 ปีที่แล้ว +1

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

  • @MzVan21
    @MzVan21 2 ปีที่แล้ว +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.

  • @LevenLyfe
    @LevenLyfe 2 ปีที่แล้ว +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.

  • @Abbas_Daughters
    @Abbas_Daughters 2 ปีที่แล้ว +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!

  • @briannadau
    @briannadau 3 ปีที่แล้ว +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.

  • @oldschoolbudgets
    @oldschoolbudgets 2 ปีที่แล้ว +8

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

  • @pamelacallaway3922
    @pamelacallaway3922 2 ปีที่แล้ว +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 ปีที่แล้ว +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.

  • @roderickdevon2277
    @roderickdevon2277 2 ปีที่แล้ว +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

  • @olalekanoluwaseun643
    @olalekanoluwaseun643 2 ปีที่แล้ว +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

  • @maryburton9308
    @maryburton9308 2 ปีที่แล้ว +3

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

  • @villamathilda6984
    @villamathilda6984 3 ปีที่แล้ว +17

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

  • @jenniferbell4632
    @jenniferbell4632 4 ปีที่แล้ว +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 💖💖💖

  • @naserianmanyando9849
    @naserianmanyando9849 2 ปีที่แล้ว +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.

  • @amazinggracekuria871
    @amazinggracekuria871 2 ปีที่แล้ว +6

    Great one for starting a new year..

  • @choosetoshine2610
    @choosetoshine2610 4 ปีที่แล้ว +33

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

  • @elfwriterbluemoon2244
    @elfwriterbluemoon2244 3 ปีที่แล้ว +12

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

  • @giovanialek-wekchipsah2788
    @giovanialek-wekchipsah2788 2 ปีที่แล้ว +4

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

  • @alexa574
    @alexa574 2 ปีที่แล้ว +4

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

  • @lightbefore1050
    @lightbefore1050 2 ปีที่แล้ว +1

    Thank you for this intervention!

  • @SuperNitenurse
    @SuperNitenurse 2 ปีที่แล้ว +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.

  • @Shan_baby4u
    @Shan_baby4u 2 ปีที่แล้ว +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

  • @TheBronzeQueen
    @TheBronzeQueen 2 ปีที่แล้ว +1

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

  • @annaahmed2564
    @annaahmed2564 2 ปีที่แล้ว +6

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

  • @kanishajoseph1930
    @kanishajoseph1930 3 ปีที่แล้ว +7

    Great Tips! Straight Facts!!

  • @KindlybyQ
    @KindlybyQ 2 ปีที่แล้ว +2

    Love this! Very informative and well said thanks sis💐

  • @Sandrabrown305
    @Sandrabrown305 2 ปีที่แล้ว +4

    Thank you for such vital information. It was needed

  • @mibikolapo7483
    @mibikolapo7483 4 ปีที่แล้ว +8

    I just found CVF and I am loving it 💃

  • @starticegalmore8602
    @starticegalmore8602 2 ปีที่แล้ว +6

    AWESOME video. I feel better already! ❤️

  • @MB-xv7er
    @MB-xv7er 2 ปีที่แล้ว +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 ปีที่แล้ว +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 ปีที่แล้ว +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 ปีที่แล้ว +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 ปีที่แล้ว +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 ปีที่แล้ว +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.

  • @dinisibiya7493
    @dinisibiya7493 2 ปีที่แล้ว +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.

  • @annangwema8873
    @annangwema8873 2 ปีที่แล้ว

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

  • @ayandanobatana7255
    @ayandanobatana7255 2 ปีที่แล้ว +2

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

  • @RosyJones
    @RosyJones 2 ปีที่แล้ว +2

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

  • @chinenyeigwe372
    @chinenyeigwe372 2 ปีที่แล้ว +5

    Thank you so much for this tips 👍👍👍

  • @soleyltoursandtravel
    @soleyltoursandtravel 2 ปีที่แล้ว

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

  • @emilyharieta7357
    @emilyharieta7357 2 ปีที่แล้ว +2

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

  • @kierredestiny2
    @kierredestiny2 5 หลายเดือนก่อน +1

    Thankful to have found your channel!

  • @lianacris7568
    @lianacris7568 3 ปีที่แล้ว +11

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

  • @atienokings6214
    @atienokings6214 ปีที่แล้ว

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

  • @j.soniaedwards7913
    @j.soniaedwards7913 3 ปีที่แล้ว +10

    Great practical points.

  • @ajokenoni3239
    @ajokenoni3239 3 ปีที่แล้ว +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 ปีที่แล้ว +1

      Yes you can do it. Yes You Can!

  • @selmakalola4569
    @selmakalola4569 2 ปีที่แล้ว +2

    Thank u so encouraging

  • @pigversity
    @pigversity 3 ปีที่แล้ว +5

    Very educative, Bola! Keep it up

  • @jasintamumba3738
    @jasintamumba3738 2 ปีที่แล้ว +1

    New subscriber ... thankyou for this valuable information

  • @smartid.5324
    @smartid.5324 3 ปีที่แล้ว +5

    Excellent Video!

  • @annamoonlight7223
    @annamoonlight7223 2 ปีที่แล้ว +4

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

  • @pinkykollie4860
    @pinkykollie4860 2 ปีที่แล้ว +2

    Thank you so much for these tips

  • @tonyasilvey9666
    @tonyasilvey9666 2 ปีที่แล้ว +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!!

    • @franklinstephen3268
      @franklinstephen3268 2 ปีที่แล้ว

      Hi 👋 dear, how are you doing?

    • @tonyasilvey9666
      @tonyasilvey9666 2 ปีที่แล้ว +1

      @@franklinstephen3268 Doing OK

    • @franklinstephen3268
      @franklinstephen3268 2 ปีที่แล้ว

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

  • @kensiedareus3271
    @kensiedareus3271 2 ปีที่แล้ว +2

    Thanks a lot 🤔 blessings 🙏

  • @sheilarodgers800
    @sheilarodgers800 ปีที่แล้ว

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

  • @marygorettimaambo5338
    @marygorettimaambo5338 2 ปีที่แล้ว +1

    Thank you for the tips 😊

  • @sharonkour9721
    @sharonkour9721 2 ปีที่แล้ว

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

  • @synthiacollins2139
    @synthiacollins2139 ปีที่แล้ว +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 🙏

  • @brishelle1659
    @brishelle1659 ปีที่แล้ว

    Great video!

  • @vanisacampbell5261
    @vanisacampbell5261 2 ปีที่แล้ว

    # 5 was very informative thank you..new subscriber

  • @petermwidima8357
    @petermwidima8357 2 ปีที่แล้ว

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

  • @fufuamosesane3862
    @fufuamosesane3862 2 ปีที่แล้ว +2

    Thank you❤️

  • @titodoh
    @titodoh 2 ปีที่แล้ว +1

    Thank you so much!!!

  • @susanprice7202
    @susanprice7202 หลายเดือนก่อน +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!!

  • @akankeoge6965
    @akankeoge6965 2 ปีที่แล้ว +2

    Thank you so much for this video.

  • @doreenpeck2714
    @doreenpeck2714 2 ปีที่แล้ว +2

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

  • @irenepearse430
    @irenepearse430 2 ปีที่แล้ว

    Thanks for sharing

  • @kerenkares4473
    @kerenkares4473 2 ปีที่แล้ว +3

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

  • @mssmarie1197
    @mssmarie1197 2 ปีที่แล้ว +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 :~)

  • @mabel.e.kgalley9710
    @mabel.e.kgalley9710 2 ปีที่แล้ว +8

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

  • @tararamdhanie4573
    @tararamdhanie4573 2 ปีที่แล้ว +1

    Thanks for your tip

  • @TheHoriginal
    @TheHoriginal 2 ปีที่แล้ว +6

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

  • @paulinehoward
    @paulinehoward 2 ปีที่แล้ว

    Thanks for your help. We need this information.

  • @JonesJr876
    @JonesJr876 3 ปีที่แล้ว +11

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

  • @sandracooper7256
    @sandracooper7256 7 หลายเดือนก่อน +1

    Thank you.

  • @papaniugini
    @papaniugini 2 ปีที่แล้ว +2

    Love ♥️ good advice

  • @Radiatorboysfunnytv724
    @Radiatorboysfunnytv724 2 ปีที่แล้ว +2

    Thanks for the tips a lot to learn 🙂

  • @veronicaadeya4474
    @veronicaadeya4474 2 ปีที่แล้ว

    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

  • @rodrickmadangu6122
    @rodrickmadangu6122 2 ปีที่แล้ว +3

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

  • @stevenodoyo932
    @stevenodoyo932 2 ปีที่แล้ว +2

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

  • @sadee.mooretv
    @sadee.mooretv 2 ปีที่แล้ว +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!!!

  • @jaaxyjackie
    @jaaxyjackie 2 ปีที่แล้ว +4

    Thanks for the structural advice.

  • @jamyangpelmo5214
    @jamyangpelmo5214 2 ปีที่แล้ว +1

    Thank you 😊 for the tips

  • @GirlieWestphalenV
    @GirlieWestphalenV 2 ปีที่แล้ว +7

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

  • @liliandickenson2458
    @liliandickenson2458 2 ปีที่แล้ว

    Excellent video!! Thank you 😊

  • @lungilekhabela2123
    @lungilekhabela2123 2 ปีที่แล้ว +1

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

  • @ashleym6765
    @ashleym6765 4 ปีที่แล้ว +201

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

    • @dorothyschlaak6548
      @dorothyschlaak6548 2 ปีที่แล้ว +11

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

    • @Sandy-bp9yv
      @Sandy-bp9yv 2 ปีที่แล้ว +14

      She's very feminine too...

    • @earthbarnes6694
      @earthbarnes6694 2 ปีที่แล้ว +5

      She is"very beautiful

    • @tomasgustafsson2331
      @tomasgustafsson2331 2 ปีที่แล้ว

      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 ปีที่แล้ว

      I second this statement.

  • @husnideka
    @husnideka 2 ปีที่แล้ว

    This is very helpful Thank you 🙏

  • @shylett
    @shylett ปีที่แล้ว +1

    Thank you so much, I needed to hear this.

  • @JaieKeller
    @JaieKeller ปีที่แล้ว

    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!

  • @dominickayode9562
    @dominickayode9562 2 ปีที่แล้ว

    Helpful tips!. Many thanks.

  • @robertbokke
    @robertbokke 2 ปีที่แล้ว

    Thank you so much.

  • @PAMBAZUKATVONLINE
    @PAMBAZUKATVONLINE 2 ปีที่แล้ว +1

    Well done Bola, excellent work

  • @psrichardspencer
    @psrichardspencer 2 ปีที่แล้ว

    Excellent videos; keep it up!

  • @funnyvideoclipschannel5164
    @funnyvideoclipschannel5164 2 ปีที่แล้ว +2

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

  • @alphonsuseze5108
    @alphonsuseze5108 2 ปีที่แล้ว

    This is awesome. Thanks

  • @carlawalker4671
    @carlawalker4671 2 ปีที่แล้ว +2

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

  • @linetattogo355
    @linetattogo355 2 ปีที่แล้ว

    Thanks, great and extremely practical advice .

  • @SuperPyoo
    @SuperPyoo 3 ปีที่แล้ว +2

    Thank you

  • @TheGenflute
    @TheGenflute ปีที่แล้ว

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

  • @glamnglobysherika8811
    @glamnglobysherika8811 2 ปีที่แล้ว +2

    Great advice

  • @julianaamponsah2601
    @julianaamponsah2601 2 ปีที่แล้ว +1

    Thanks for your tips may God bless you 😘🙏

  • @gazelle20111
    @gazelle20111 2 ปีที่แล้ว

    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.

  • @eyakjames9407
    @eyakjames9407 2 ปีที่แล้ว

    Thanks, plain and simple truths.