Still Broke? (And How to Fix It)
THE MONEY CODE
Let’s face it: spending hours scrolling for "money hacks" on Reels isn’t exactly helping your wallet. If your finances feel more "oops" than "organized," it’s time for some real talk.
Get ready, because we’re breaking down why you’re still broke—and, more importantly, how to fix it.
Why You’re Still Broke
(And How to Fix It)
3. You’re Waiting for the "Perfect Moment"
Newsflash: There’s no magical Monday or new year when your finances will suddenly fix themselves.
How to Fix It:
Start now. Literally right now. Open a savings account, set up auto-transfers, or Google "compound interest." Baby steps are still progress.
1. You Treat Your Bank Account Like a Magical Unicorn
You spend now, assuming the money will just appear later. Spoiler: it doesn’t.
How to Fix It:
Create a budget. Use a simple app or a spreadsheet to track your income and expenses. Seeing where your money actually goes will feel like a reality check (but a good one).
2. You Confuse Wants with Needs
No, that designer coffee or impulse sale purchase is not a “need.” It’s a want, babe.
How to Fix It:
Ask yourself the big question: “Do I really need this right now?” Pro tip: Wait 24 hours before making non-essential purchases. Chances are, you’ll forget about it.
4. You’re Terrified of Looking at Your Bank Account
Avoidance is not a strategy. Pretending your finances don’t exist doesn’t make the problem disappear.
How to Fix It:
Schedule weekly “money dates” with yourself. Light a candle, grab a drink, and review your accounts like the boss you are.
8. You Don’t Have an Emergency Fund
One unexpected bill, and you’re back to square one.
How to Fix It:
Start building an emergency fund today. Even $20 a month adds up. Aim for at least 3 months’ worth of expenses eventually.
💌 Your Bank Account Deserves Better
Ready to glow up your finances and stop living paycheck to paycheck?
Sign up for my newsletter and get insider tips, practical strategies, and a sprinkle of sass straight to your inbox.
It’s time to make your money work for you. Let’s do this together—sign up now! 💸✨
5. You’re All About That YOLO Life
Living your best life is fun—until the credit card bill shows up.
How to Fix It:
Set limits for fun spending. Try the 50/30/20 rule: 50% for needs, 30% for wants, and 20% for savings or debt repayment. You can treat yourself responsibly.
6. You Think Investing is Just for Wall Street Bros
Investing feels intimidating, so you avoid it altogether.
How to Fix It:
Download beginner-friendly apps like Acorns or Robinhood. You don’t need to be a millionaire to start. Start small—$10 is enough to get the ball rolling.
7. You Have No Plan, Only Vibes
Hope is not a financial strategy. If you’re winging it, your bank account will feel the chaos.
How to Fix It:
Write down your goals. Want to save for a trip? Pay off debt? Buy a house? Break it into small, actionable steps and review your progress monthly.