7 Money Moves That Changed My Life

Photo By Kaboompics.com

 There was a time when I thought being broke was just… me. Like my bank account and I had signed an invisible contract sealed with overdraft charges. I’d get paid on Friday, be broke by Saturday, and back to noodles by Sunday night. Sound familiar?

Let’s be real guys: nobody teaches you this stuff growing up. You learn about mitochondria in biology class, but not how to manage a paycheck or avoid drowning in debt.

But here’s the truth: being broke is only but a season—not a life sentence.

And today, I want to show you how to end that season… intentionally, of course.

1. I Made a Budget That Actually Made Sense

Forget those complicated spreadsheets with 28 categories and 3 colors. I started with this simple rule:

50/30/20 – 50% needs, 30% wants, 20% savings/debt.

What changed everything? I wrote down EVERY DOLLAR I spent for 30 days. That’s when I discovered that I spent more on snacks than I saved in a month.

Painful? Yes. Eye-opening? Absolutely.

2. I Turned My Talents Into Cash

You don’t need to start the next Amazon.

But can you write, sew, edit videos, teach math, walk dogs, or make killer chin-chin?

Your side hustle doesn’t need to go viral—it just needs to start. I made my first extra $10 writing online. That $10 became $100 in a few months. Consistency wins, not genius.

3. I Killed My Debts Like a Video Game

I listed all my debts—from the loan I owed my cousin to the bank charging me interest like I borrowed the money to buy a spaceship.

Then I used the snowball method: start with the smallest, pay it off, then roll that payment into the next one. Watching those balances hit zero? Addictive.

4. I Automated My Savings (So I Couldn’t Lie to Myself)

Every month, my bank moved a chunk of my income into a separate savings account—before I even saw it.

That way, even when I convinced myself I “needed” that new pair of sneakers, the money was already locked away like it never existed.

Out of sight. Into savings.

5. I Started Saying No (and It Was Liberating)

Saying “no” doesn’t mean you’re cheap. It means you’re choosing freedom over flexing.

I learned to say:

“I’ll catch the next outing.”

“I brought my lunch.”

“I’m not in a place to spend on that right now.”

People respected it. Some even joined me.

6. I Learned About Money Like My Life Depended on It (Because It Does)

I read books like “The Richest Man in Babylon”, “I Will Teach You to Be Rich”, and watched YouTube videos instead of Netflix sometimes.

It’s wild how you start seeing money differently once you understand it’s a tool—not your enemy.

7. I Forgave Myself for My Financial Mistakes

We’ve all messed up. Took bad loans. Spent money trying to impress people. Didn’t save when we could.

But guilt doesn’t build wealth—action does.

You don’t need perfect. You just need to start.

Final Thoughts: Money Doesn’t Make You Better. It Just Makes Life Easier

If you’re struggling financially, it doesn’t mean you’re lazy, dumb, or doomed. It might just mean you’ve never been taught the rules of the game.

Now you know.

And every smart move you make from today?

That’s you rewriting the script.

Remember this: You’re not broke, not yet anyway.

Don’t stop.

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