Let’s cut the fluff: you’re not broke because you don’t make enough.
You’re broke because your money has no job.
Every dollar in your account is either working for you or wasting away on vibes and bad habits. And does your bank balance stay on life support even after payday? It’s not just an income problem—it’s a purpose problem.
Let’s fix that.
What It Means When Your Money Has No Job
Think of your income like a team of employees.
You’ve got these hard-working little dollars showing up every two weeks… but you don’t give them clear roles. No direction. No plan. So what happens?
They start freelancing:
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Some go ghost in drive-thru lines
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Others disappear in Amazon carts
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A few get lost in “I deserve this” spending (and you do, but still…)
Then when the bills hit, or an emergency pops up—you’re shocked that they didn’t stay put.
💡 MINT REMINDER: If you don’t tell your money what to do, it will do whatever it wants. And what it wants is usually dumb.
Why Budgeting Isn’t the Enemy—Confusion Is
People say, “I don’t like budgeting because it feels restrictive.”
But being broke? That’s a real restriction. That’s overdraft fees. That’s payday panic. That’s skipping brunch, not because you’re disciplined, but because you can’t afford eggs and vibes.
A reasonable budget doesn’t restrict you—it releases you.
It gives your money a mission. And when your money has direction, you finally feel like you’re driving instead of constantly being dragged behind your expenses.
Signs Your Money Is Wandering Aimlessly
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You check your balance more than your budget
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You don’t know how much you spent on food last month
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You rely on your next check before you’ve spent the last one
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You say, “I’ll figure it out” instead of writing it out
How to Give Your Money a Job—Today
Let’s get practical. No shame. Just realignment.
✅ 1. Make a Spending Plan (Not Just a Budget)
Every dollar needs a role:
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Rent? That’s your Home Manager.
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Groceries? Fuel Specialist.
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Savings? Future CEO.
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Joy Money? Morale Booster. (Yes, you still need joy.)
Name every dollar. Please put it on paper. Please give it a job description.
✅ 2. Set a Weekly Money Meeting (With Yourself)
Pull up your bank app. Look at what came in and what went out. Every Sunday. No wine necessary (unless you need it).
This isn’t punishment—it’s leadership.
✅ 3. Start Telling Your Money Where to Go—Before It Leaves You
Use the 50/30/20 method, cash envelopes, or The Mint Penny Budget & Investing Starter Checklist (dropping soon 👀).
The point isn’t perfection—it’s intention.
MINT TIP:
You work way too hard to have your money freelancing with no supervision. Act like the boss you are. Assign your dollars. Track their work. And fire anything that isn’t adding value.
Final Word
Sis, your money wants direction. Not just vibes.
Not just another “this paycheck I’ma do better.”
Not just another overdraft apology text to yourself.
It wants a system. It wants a mission. And most of all, it wants you in charge.
So today, stop saying you’re broke.
You’re under-managed. But not for long.
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