Updated: May 31, 2022
Hey Girl, hey!
Look… I’m best known for being a straight shooter. In fact, my witty honesty is one of the qualities most people like about me (well... some people don't.... I know I'm not everyone's cup of tea, but I'm okay with that!).
Anywho, it’s rare that I ever beat around the bush, because I’d rather just tell it like it is… and today will be no exception. Ladies… let’s get raw. Can you handle the truth?!
You get up… go to work… get your paycheck… and all your money seems to disappear in a few days. You find yourself in this never ending cycle of living paycheck to paycheck with very little to show for it... and to be quite honest, that lifestyle is played out! Girlfriends, if you’re habitually broke AF… these are a few reasons why:
1. You Don't Have A Budget.
Believe it or not, budgeting is an essential part of adulting. You wouldn’t believe how many people tell me (in fact they insist) that they do not need a budget because they just “keep it all in their head”. Listen Linda… even me being as disciplined (and tight) as I am with my money, I know there is absolutely no way that I can keep up with everything that needs to be paid for on a regular monthly basis in. my. head.
Not to mention those pesky surprise items that pop up and need to be taken care of… like the speeding ticket I got last week (yea... being a rebel will cost ya). But having a written out plan for your money will 100% increase your chances of knowing exactly where your money is going. If there’s more money going out of your account than there is coming in… see reason #2 why you’re still broke AF!
2. You're Living Above Your Means.
It literally kills me when I see individuals dressed head to toe in designer everything… with their luxury cars and ultra expensive homes or apartments. And to be frank, the first thing that always pops into my head when I see people like this is…”Hmmm. I wonder how much money they have saved up?” More times than not, the majority (if not all) of their money is going towards their material things. More times than not, they have very little or no savings at all. And more times than not, they are probably swimming in debt. Why?
Because they want to keep up with ‘The Joneses’ and girlfriend… ain’t nobody got time for that! Buying things you don’t need to impress people you probably don’t even like is the reason why you’re broke, boo! Let your friends who are living life in the fab lane do them… but you be smart and do you! Being able to manage your money and build your own empire is the ultimate definition of a bad chick. Why fake it… when you can actually make it?! RELATED: 4 Reasons Why Keeping Up with the Joneses is for the Birds!
3. You're Loaning Money.
At some point in your life, somebody is going to ask you to borrow money. If you’re smart, you’ll learn the art of saying ‘no’ early on in life (unless you’re okay with giving as a gift and not expecting to get paid back). The truth of the matter is... maintaining your own financial household obligations is hard enough as it is, but to also have to consistently financially support another grown person who has the ability to work, budget, and provide for themselves (and their family) just like you’re doing is a whole other story in itself... and it’s keeping you broke!
So the next time someone asks you for money, remember this remix (I just made up) to the Meghan Trainor song ‘NO’ (ya'll remember that song, right?!): Can I borrow some…?... ‘No’ Can you loan me…? ...‘No’ Can I have some…? ...‘No’ “You need to let it go…You need to let it go. No, to the no, to the no, no, no!” Just me?! Oh okay... RELATED: Confessions Part II: The Loaner