

Being broke can be subjective because it means different things to different people. I had a coworker who said she felt "broke" when she only had $2,000 in all three of her checking accounts. Another considered having a negative account balance as "broke" after using overdraft fees to keep spending even when her account balances were low. Some might think "broke" is living off of credit cards after their cash has depleted. Others might have thousands of dollars in their accounts but not enough to cover their everyday bills with a bit left over for a rainy day.
No matter what your "broke" definition is, it's never a good thing, and with so much talk about financial fitness, recessions, and unemployment, how can you focus on better days when you're barely making ends meet, you're living check to check, or you're struggling with debt? Here are a few helpful tips that I lean on, especially when my pockets are screaming, "Chile, we're tired!"
1. Take a deep breath and release the shame.
High debt levels have been linked with depression and anxiety, and oftentimes, shame leads to avoidance. Find a bit of comfort in knowing that you aren't the only one struggling financially. (In fact, 35% of Americans have recently reported that they're in the "most debt of their lives," 61% reported they're living check to check, and Black women hold a disproportionate piece of the trillions of dollars in student loan debt).
Sis, we all deal with financial difficulties, so it's not something to be ashamed of. Find verbal ways to affirm yourself and boost your self-esteem, or talk to someone about how you're feeling. (There are free resources like the NAMI Helpline.)
Also, there are many reasons you could be "broke" that are simply beyond your control and aren't really a matter of fault on your part. It could have been a financial mistake, a lawsuit, a family cycle of poverty, an illness, a sudden loss of employment, an abusive relationship, or a natural disaster.
Some of these things take years to recover from financially, and you might have periods of being "broke" as you're trying to get back on your feet. And let's not forget, institutional and systemic issues of racism and sexism financially impact Black women in ways that are vastly disproportionate, so keep this in mind whenever you feel thoughts of regret and shame overpowering those of grace, problem-solving, and positivity.
2. Face the fears and ugly truths and make budgeting your friend.
Early in my budget journey, I hated the idea of it. I experienced childhood trauma related to frugality and limits, so, as an adult, I'd overspend simply because I hated feeling limited on what I could buy, especially food. I hated the thought of having a cap on anything related to the money I'd worked hard to earn. I'd buy on impulse, spend money eating out a lot, and prioritize entertainment and pleasure spending.
In my case, it wasn't about being neglected or deprived as a child, but I just loved food and freedom and hated when we only could go to restaurants on special occasions or how I'd always have to share food with five or more people. I was always privy to great meals, family vacations, and other amazing activities, and my middle-class family was always super-supportive, giving, and kind, but I grew a chip on my shoulder related to boundaries.
I learned in adulthood that budgeting isn't about deprivation, that I'd felt like nothing was enough as a child because I sought love through material things and grand gestures of money being spent, and that boundaries are a healthy aspect of maturity.
I also learned that budgeting could help me reach my lifestyle goals because, again, I love food, enjoying a great 5-star restaurant or a five-course dining experience. Even when you're "broke," you can still create a budget because the process includes realistically noting your everyday expenses, being super-aware of your actual take-home income, looking through your bills and calling creditors to negotiate or set up plans, acknowledging your splurge habits, and setting actual, realistic financial goals. I sat down once when I was flat broke, upset about debt that really wasn't as bad as I thought, and the process to at least get a handle on it actually turned out to be more than doable.
I also found out in my efforts to budget even while broke that I could actually get rid of unnecessary expenses and shift that money to things that matter to me, like security through savings, money for self-care, and a travel fund.
When you sit down and start the process of budgeting, it's empowering and scary at the same time, but at least you can finally breathe a sigh of relief by knowing the full picture of the truth in your financial situation and get the assistance you need in order to create a plan for financial wellness.
3. Start small and shift your mentality from "not enough" to "I can better manage what I have for now."
I've always been a go-big or go-home type of person who used to think in extremes. For example, if I couldn't buy a whole living room furniture set in full, with cash, I wasn't buying anything. Or if I only had $50, I couldn't save because it wasn't $100 or $1,000, so why not just spend the whole $50? Yep, that was me.
My anxiety over debt and always feeling like I didn't have enough subsided when I started to shift my thinking about what actually constitutes "small" or "not enough." So, for example, even if I only had $2 to my name, I could put 50 cents into my savings account instead of just spending the $2 on a burger because I'm emotionally eating due to shame. I could just buy the sofa and save up for the rest to purchase gradually over time.
My Granny has always earned less than $40,000 per year (and even less back in the '50s, '60s, and '70s) and leveraged that to keep ownership of her home, pay off her credit cards, and help out generations of family members simply because she never thought what she was earning was "too little" and was big on saving something. "Even if it's 5 cents, I saved it! You have to work with what you got and save your money! Try not to spend your last dime!" she'd always tell me.
If you don't make enough to meet savings account minimums, keep a jar of coins or envelopes with dollars at home. Use an old container---anything. It's the practice, not the amount, that matters. And that little bit of change can add up to a lot or at least provide a bit of a cushion for later. I now apply that to almost everything, whether I'm down to my last $2 or $2,000. When I see my savings account, I'm empowered to continue to challenge myself to always keep something in there, no matter how "small" the routine deposits might be.
3. Get an accountability partner.
Whether that's a financially savvy friend, partner, YouTube influencer, family member, or Facebook group, find platforms and people that will keep you in check, especially in those tough moments of doubt, fear, and anxiety. Go grocery shopping with them, ask their opinion before you make a purchase, share meals with them, and be sure it's someone (or something) who's really going to hold you accountable in a way that's a fit for your personality, your lifestyle, your financial goals, and their relationship with you.
(For example, if you're still living check to check and are struggling with unhealthy thoughts of comparison, it might not be a good idea to follow those hustle IG pages where everyone is balling out of control, talking about being millionaires all the time and showcasing their material blessings. Hey, if that pushes you to do better, cool, but if you find yourself feeling more insecure than motivated, unfollow and block, sis.)
Another great way to focus on accountability is to start a budgeting or a savings challenge (or join one via a Facebook group or IG page) so you can get the moral support and motivation you need to really take your financial wellness journey seriously.
If none of those are a fit for you, try your local credit union or the bank you have accounts with. Oftentimes, they have professionals you can talk to and who can look through your statements to figure out budgeting, money drains, and gaps.
And if your spending is deeply connected to childhood or other trauma, try counseling. I didn't get to the root of why I spent the way I did, why I had times when I was making good money but still living check to check, and why I would procrastinate and fear debt so much that I'd lose sleep at night until I talked to someone.
4. Figure out what drives your spending habits and get to the core of why you're always broke.
I literally had to use my last dime in order to invest in at least a few sessions with a therapist because I felt like I had nothing more to lose at that point. My spending habits were affecting my mental health because the shame had really taken over.
I'd see friends, family, and former classmates buying homes, expanding their families, and living great lives and always think, "Why am I so miserable and behind? I'm educated, get good jobs, and some of those people make less than me! Is my life going to be like this forever? I'll never get to that high-rise condo, be able to save for retirement, or be in a marriage where we're living great! I'll always be living check to check and scraping at the end of the month just to get groceries!"
I had to get real about my mental health and my family history to get to the root of my spending habits, prideful ways, and scarcity mentality. With the help of a professional and a bit of my own research, I learned how to de-catastrophize my thoughts and self-regulate when I wanted to spend based on a negative emotional trigger. I also had to come to terms with immature and reckless behavior and habits related to procrastination, ego, and laziness.
Once I got through that, I realized I'd had several resources at my fingertips (i.e., housing lotteries, public assistance programs, family help, on-the-job advocates, and my own amazing brain) that I'd been neglecting to tap into and that I really was throwing away money and opportunities due to poor planning and low self-esteem. It took a while, and it's not an easy journey, but once you take those steps to get to the core of your why and how, you're better able to see clearly to focus on new habits and sticking to a financial wellness plan that works for you.
5. Brainstorm ways to make extra cash.
I left this one for last because if your money mindset is not healthy or balanced, it doesn't matter how much money you have. Toxic habits are the same whether you have $1 or $1 million, and you can still end up broke even after making lots of money.
That being said, I'm empowered by ideas and writing down solutions, especially as a combat for shame and fear. Solutions allow you to deal with reality, not made-up scenarios or emotions that will not help you get out of certain cycles (i.e., shame or indifference.) If you're broke due to your income and it never seems to be enough, even for your basic necessities of life (i.e., a roof over your head, food, clothing, transportation), it's time to look into how much money you're earning and find ways to earn more.
This doesn't mean you have to take on a third or fourth job (though, in some cases, it might). I'm big on working smarter, not harder, so if there's a side hustle you can do that comes easy to you, and there's a built-in market via your network or professional contacts to do it, do it.
(That's how I started my journey of self-employment. Before I took the leap, I did side gigs in writing, social media management, and editing via referrals from the network I already had as an editor and journalist.) Think strategically about your lifestyle, your work ethic, your current bills, and your mental health in order to figure out a way to make extra cash that won't make your situation even worse.
Go for that promotion, or apply for a new job. Think radically positive and just go for it. When you're broke, the only other way to go is up. Money is fluid---it can be lost and gained like the tide--but it's up to you to empower yourself, face your fears, get to know your triggers and lifestyle goals, and take action so that you can truly start living and stop just surviving day to day. You deserve it, sis. It's your time.
Let’s make things inbox official! Sign up for the xoNecole newsletter for love, wellness, career, and exclusive content delivered straight to your inbox.
Featured image by Shutterstock
Originally published on September 1, 2023
- 10 TikToks That Will Have You Making Better Money Moves ›
- 7 Mother/Hustlers On How To Secure A Bag & Your Sanity At The Same Damn Time ›
- Own The Shift: How To Start A Budget ›
- How To Protect Your Coins & Your Peace In The Process ›
- How To Have A Successful No-Spend Month Challenge - xoNecole ›
- These Financial Boundaries Are Non-Negotiable For Success - xoNecole ›
Adrian Marcel On Purpose, Sacrifice, And The 'Signs Of Life'
In this week's episode of xoMAN, host Kiara Walker talked with R&B artist Adrian Marcel, who opened up, full of heart and authenticity, about his personal evolution. He discussed his days transitioning from a young Bay Area singer on the come-up to becoming a grounded husband and father of four.
With honesty and introspection, Marcel reflected on how life, love, and loss have shaped the man he is today.
On ‘Life’s Subtle Signals’
Much of the conversation centered around purpose, sacrifice, and listening to life’s subtle signals. “I think that you really have to pay attention to the signs of life,” Marcel said. “Because as much as we need to make money, we are not necessarily on this Earth for that sole purpose, you know what I mean?” While he acknowledged his ambitions, adding, “that is not me saying at all I’m not trying to ball out,” he emphasized that fulfillment goes deeper.
“We are here to be happy. We are here [to] fulfill a purpose that we are put on here for.”
On Passion vs. Survival
Adrian spoke candidly about the tension between passion and survival, describing how hardship can sometimes point us away from misaligned paths. “If you find it’s constantly hurting you… that’s telling you something. That’s telling you that you’re going outside of your purpose.”
Marcel’s path hasn’t been without detours. A promising athlete in his youth, he recalled, “Early on in my career, I was still doing sports… I was good… I had a scholarship.” An injury changed everything. “My femur broke. Hence why I always say, you know, I’m gonna keep you hip like a femur.” After the injury, he pivoted to explore other careers, including teaching and corporate jobs.
“It just did not get me—even with any success that happened in anything—those times, back then, I was so unhappy. And you know, to a different degree. Like not just like, ‘I really want to be a singer so that’s why I’m unhappy.’ Nah, it was like, it was not fulfilling me in any form or fashion.”
On Connection Between Pursuing Music & Fatherhood
He recalled performing old-school songs at age 12 to impress girls, then his father challenged him: “You can lie to these girls all you want, but you're really just lying to yourself. You ain't growing.” That push led him to the piano—and eventually, to his truth. “Music is my love,” Marcel affirmed. “I wouldn’t be a happy husband if I was here trying to do anything else just to appease her [his wife].”
Want more real talk from xoMAN? Catch the full audio episodes every Tuesday on Spotify and Apple Podcasts, and don’t miss the full video drops every Wednesday on YouTube. Hit follow, subscribe, and stay tapped in.
Featured image by xoNecole/YouTube
You Don’t Have To Choose: How Black Women Can Care For Others Without Self-Sacrifice
One of the primary instructions we receive before a flight takes off is to prioritize putting on your life vest first if there’s an emergency, even before assisting others. It’s funny how this rule rarely translates to the daily routine of women.
As women we are taught, directly and indirectly, to put others first. Whether it’s our romantic partners, kids, parents, friends, or even our jobs. Mental health survivor and founder of Sista Afya Community Care, Camesha Jones-Brandon is challenging that narrative by using her platform to advocate for Black women and their right to self-care.
Camesha created the organization after her struggles with mental health and the lack of community she experienced. The Chicago native explains how she created Sista Afya to be rooted in “culturally grounded care.”
pixelheadphoto digitalskillet/ Shutterstock
“So at my organization, Sista Afya Community Care, we focus on providing mental health care through a cultural and gender lens,” she tells xoNecole. “So when we think about the term intersectionality, coined by Kimberlé Crenshaw, we think about the multiple identities that lead to certain experiences and outcomes as it relates to Black women.
“So in the context of culturally grounded care, being aware of the cultural history, the cultural values, and then also the current issues that impact mental health outcomes.”
Words like “strong” and “independent” have long been associated with Black women for some time and many of us have begun to embrace the soft life and are using rest as a form of resistance. However, some of us still struggle with putting ourselves first and overall shedding the tainted image of the “strong, Black woman” that had been forced on us.
Camesha shares that while there’s more and more communities being created around empowerment and shared interests like running, she still questions, “are Black women really comfortable with being vulnerable about sharing their experiences?”
Being vulnerable with ourselves and others play an important role in healing the instinctive nature of always being “on” for everyone. “I'm currently facilitating a group on high functioning depression, and yesterday, we talked about how when Black women may be struggling or have shared their concerns with other people. They may be minimized, or they're told to just be strong, or it's not so bad, or I went through something worse back in Jim Crow era, so you should be thankful,” she explains.
“So I think there's a challenge with Black women being able to be honest, to be vulnerable and to receive the support that they need in the same capacity as how much they give support to other people. So that is probably a very common theme. I think we've made a lot of progress when we talk about the superwoman syndrome, the mammy stereotype, the working hard stereotype, the nurturing stereotype. I think we're beginning to unpack those things, but I still see that we have definitely a long way to go in that area.”
I think there's a challenge with Black women being able to be honest, to be vulnerable and to receive the support that they need in the same capacity as how much they give support to other people.
Roman Samborskyi/ Shutterstock
While we’re unpacking those things, we know that we’re still women at the end of the day. So as we continue to serve in various roles like mothers, daughters, sisters, and caretakers, we have to make caring for ourselves a priority. Camesha reveals four ways we can still care for others without abandoning ourselves.
Trust
First things first, trust. Camesha explains, “Some of the burdens that Black women have can be linked to not feeling like you can trust people to carry the load with you.
“It's hard because people experience trauma or being let down or different experiences, but one of the things that I found personally is the more that I'm able to practice trust, the more I'm able to get my needs met. Then, to also show up as my best to care for other Black women.”
Know Your Limitations
Another thing Camesha highlighted is Black women knowing their limitations. “The other thing that I would like to bring up in terms of a way to care for yourself is to really know your limitations, or know how much you can give and what you need to receive,” she says.
“So often, what I see with Black women is giving, giving, giving, giving, giving to the point that you're not feeling well, and then not receiving what you need in return to be able to feel well and whole individually. So I really think it's important to know your limitations and know your capacity and to identify what it is that you need to be well.”
Don’t Take On A Lot Of Responsibilities
Next on the list is not taking on so many responsibilities, sharing herself as an example. “The other thing is taking on too much responsibility, especially in a time of vulnerability.
“One thing that I personally struggled with was being so passionate about community mental health for Black women, and saying yes to everything and taking on so much responsibility,” she reveals. “That affected me to do well in serving Black women and then also impacting my own well being.”
Practice Self-Care
Lastly, she notes the importance of practicing self-care. “The last thing is really practicing regular self care, regular community care, so that it's embedded into your daily life. So for me, having prepared meals, going to the gym, getting eight hours of sleep, spending time with friends and family, all of those things are part of my self care that keep me at my best,” she explains.
“Then community care, leaning into social networks or social groups, or spending time with other interests or hobbies. That's a part of my community care that keeps me going, so that I can take care of my needs, but also to be able to show up best in care for others.”
Find out more about Camesha and Sista Afya Community Care at communitycare.sistaafya.com.
Let’s make things inbox official! Sign up for the xoNecole newsletter for love, wellness, career, and exclusive content delivered straight to your inbox.
Feature image by AS Photo Family/ Shutterstock