Young, Broke & Tired: How to Survive a Season of Being Broke

Let me start off by saying I am not a financial adviser. However, I know the struggle and tension of not having nearly enough to cover everything and needing to stretch every penny. So, I am writing this solely from experience and offering up what has worked/ is working for me. I hope you are able to take some bits and pieces and apply it to your daily life.

Let’s get started…

At this point in life, what millennial doesn’t understand this struggle?! You just graduated from college and are looking for a job or working a really low paying job. Things have been a struggle for a while but you have somehow found the strength to keep going.  Lately however, the difficulty level has been an at all time high. You have cried and prayed and cried some more for things to get better; for the pressure to be released. There seems to be more bills than money each month but somehow, you manage to make it to the next month, only to face the same dilemma again. The stress is finally starting to get you and you have begun to release your anger and frustration on everyone around you. This is not what you signed up for and you are at your wits end.

Hi friend,

Welcome to adulthood. Please have a sit and stay a while will you? First, let me give you some hope and assurance. IT WILL NOT ALWAYS BE LIKE THIS. It just won’t. I don’t care what it looks like. I don’t care what it feels like. IT WILL NOT ALWAYS BE LIKE THIS. Things WILL turn around. Say that to yourself. Everyday. No matter what. In fact, say it now, IT WILL NOT ALWAYS BE LIKE THIS. THINGS ARE GOING TO CHANGE FOR THE BETTER. You are not doing yourself any favors by speaking negatively or dwelling on your issues. It’s time to make some changes that will shift your perspective and help you survive this season.

Change Your Language

I already covered this a little bit but it deserves it’s own section. Words have power. Think about it: there are kinds words, hurtful words, hateful words, loving words, and the list goes on. The ways in which you use your words can uplift your mood, change your perspective, and eventually change your circumstances. Entrepreneur and Life coach Tony Robbins during his extremely broke days tapped into the power of words by declaring the following over himself daily.

“God’s wealth circulates in my life, it flows to me in avalanches of abundance. All my needs, desires and goals are met instantaneously, for I am one with God and He is everything!”

This man is now able to write checks for millions of dollars. The combined sales for all his businesses amount to $5 billion a year. There is power in the words you speak. Use it, and watch your mood, perspective, and circumstances begin to shift.

Practice Gratefulness

You’ve heard this before and you need to hear it again: someone out there is worse off than you and is praying for the very things you take for granted. Ever heard of twenty first century problems? We have them… bad! We complain about our issues while carrying tiny computers (cell-phones) that cost a fortune in our pockets. Look, I am not downplaying the fact that you are on the struggle bus and have been riding it way too long, but I am saying IT COULD BE WORSE. Your situation could always be worse than it is. Thank God for the little things (really, the big things). The fact that you are in good health, or that you woke up in a bed of your own, or you have a car to drive, or you have something to eat. I could keep going but the point is, there is ALWAYS something to be grateful for. Yes, things are not perfect but you are still alive, in good health, and  have what you NEED.

Focus On Your Future

Do you have a vision for your life? Where  would you like to be in the upcoming years? What would you like to accomplish? Write it down. I’m not asking you to write it down and stress about how it’s going to happen. Don’t do that. The assignment is just to write it down. Writer, teacher and speaker extraordinaire Luvvie Ajayi blogged about writing her vision statement and what has happened since then. Read these articles and get inspired.

Daria Adulting Image

Watch Your Spending Habits

The fact of the matter remains that (FOR NOW) money is tight. In order to make it through this very temporary season, you are going to have to change your spending habits. Meaning, when you go shopping, you are going to have to ask yourself …DO I REALLY NEED THAT THOUGH?!

Saving Money Taken from Facebook Image

Be honest with yourself. If you can live without it, you don’t really need it. And if you don’t need it, don’t buy it. If you can do without it, don’t buy it. Also, don’t let these credit card companies fool you. Don’t spend money that you don’t have. Lastly, you have to, yes I said HAVE TO cook. That $6-$10 daily lunch is beginning to add up. Save your coins, watch some you-tube videos and learn how to cook. It’ll save your arteries and bank account.

Work On a Passion Project

NOW is the time to work on the very thing you daydream about. Take baby steps towards that vision board/statement you created.  Work on something that makes you come alive. As you begin working on it, be disciplined. Don’t work on it and give up halfway. Be dedicated. Even if no one is paying attention, do it anyway. As you consistently work on your passion, you begin to refine your skills. As you refine your skills, you begin to leave a mark of excellence on everything you create and people WILL start to take notice. It may take some months, it may take some years, it doesn’t matter, keep doing it. Consistency is key. So, DO THE WORK and remember that anything is possible when you believe.


Need some more inspiration?! Read this…

Female Entreperneur loses business opportunity HONY image
Don’t let this be you. I don’t care what anyone says, I firmly believe she missed an opportunity. I am not saying another opportunity or superb idea cannot come. It can because I believe that with God all things are possible. However, I also firmly believe that it is best to grab hold of destiny the first time around instead of experiencing delay because of distractions. To make matters worse, this distraction was a job – I suspect- she did not necessarily care for. Don’t play yourself. Don’t let this be you. Whoever she is, I pray she is better off now.



Thanks for reading!


Au revoir,

Emem Joy Emah






Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

This site uses Akismet to reduce spam. Learn how your comment data is processed.