How To STOP BEING BROKE + LIVING PAYCHECK TO PAYCHECK!
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- Опубліковано 15 чер 2024
- Are you currently Broke and Living Paycheck to Paycheck? I've been there myself (over 2 stages of my life) and can assure you that there is a way out! Here are 7 Top Practical Tips for How To STOP Living Paycheck! Go from Broke to Financial Independence FinancialJoyAcademy.com 😊 ♥.
★ ★ TIME STAMPS ★ ★
#1 - 04:55 - Start Freelancing
#2 - 06:50 - Learn Digital Skills For Freedom
#3 - 09:59 - Figure Out Your Broke Free Number
#4 - 11:55 - Study Others And Copy Them
#5 - 14:33 - Take Radical Action
#6 - 16:16 - Embrace Budgeting
#7 - 18:06 - Look After Your Wellbeing
#8 - 22:13 - Volunteer For Opportunities or Key Relationships
★★ WHAT TO WATCH NEXT ★★
14 HIGH PAYING SIDE HUSTLE IDEAS for 2020 - • 14 HIGH PAYING SIDE HU...
21 PASSIVE INCOME IDEAS For A FREEDOM LIFESTYLE - • 21 BEST Passive Income...
Our 12 Multiple Streams Of Income - • Our 12 MULTIPLE STREAM...
12 BEST SIDE HUSTLE IDEAS for Making Extra Money 2020 | UK - • 12 BEST SIDE HUSTLE ID...
How To Start A Business With No Money - • How to Start a Busines...
★★ SUBSCRIBE TO CHANNEL HERE ★★
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★★ LINKS MENTIONED IN THE VIDEO ★★
00:35 - Podcast (Dope Black Dads) - thehumblepenny.com/media
06:21 - Upwork - www.upwork.com/
09:00 - 7-Day Free Blogging Course - thehumblepenny.com/BlogFree
10:48 - 8 Stages of Financial Independence & Abundance - • Our 8 STAGES To FINANC...
13:41 - Our 12 Multiple Streams Of Income - • Our 12 MULTIPLE STREAM...
16:30 - How To Budget Consistently - • HOW TO: BUDGET & SAVE ...
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★★ ABOUT US ★★
We became Financially Independent aged 34 and our story has been featured on the BBC, Mail Online, Channel 5, Metro, etc.
We share content to inspire and teach others how to achieve Financial Independence and Freedom too 😊
MARY:
I'm married to Ken and we have two boys aged 6 and 4. I'm a Londoner, born in Hackney! :)
Day to day, I run the operations of The Humble Penny as a creative - doing everything from marketing to video editing. I studied Multi-media design and technology at Uni.
When I'm not creating, I love vegan food, travelling, working out and doing some outdoor fun things with my husband and kids :)
KEN:
I'm a husband, dad, and a First-Generation Immigrant to the UK. I started life poor in the UK and I've spent the last 20 years on a steep journey of Personal Development.
CFO by day with over 12 years experience in the investment business. I'm also a Chartered Accountant and hold an MBA from Cambridge University.
To explore my creativity, I'm a blogger and UA-camr by night. I create from my experiences as a family man and entrepreneur.
I have a passion for all things Financial Education, Business and Personal Development. I also love Photography, Music, Travel, and Sport.
★★ WANNA CONNECT? ★★
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★★ OUR ONLINE SCHOOL ★★
Visit our online school at Financial Joy Academy for Video Courses:
www.financialjoyacademy.com/
★★ About this video ★★
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Massive thanks for watching and following our channel :) ♥
Best, Mary and Ken Okoroafor
NOTE: For FULL Transparency, some links above may be Affiliate Links. We do NOT offer Financial Advice. Always do your own personal research.
#savingmoney #investing #personaldevelopment - Навчання та стиль
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What is your #1 struggle with breaking away from the paycheck to paycheck life?
★ ★ *TIME STAMPS* ★ ★
#1 - 04:55 - Start Freelancing
#2 - 06:50 - Learn Digital Skills For Freedom
#3 - 09:59 - Figure Out Your Broke Free Number
#4 - 11:55 - Study Others And Copy Them
#5 - 14:33 - Take Radical Action
#6 - 16:16 - Embrace Budgeting
#7 - 18:06 - Look After Your Wellbeing
#8 - 22:13 - Volunteer For Opportunities or Key Relationships
Excellent video Ken. I've been watching your videos for a bit and they're empowering. I also think fundamentally having a "why" or a purpose or the lack of it plays a huge part in why anyone may be broke or not. Keep it up!
Thank you! Great point made :)
Thank you, I actually took these points down.
I don't use the term "broke", as the motivational speaker Les Brown says it's not good to affirm the negative. So I'll say that I'm experiencing a cash flow deficit at the moment. This is due to my own ignorance, poor decisions and lifestyle choices as well as life just happening.
I'm currently starting over from scratch as a single mother of two. I'm in my early 40's and though on paper my circumstances seem dire, I believe it's never too late for me. I WILL BE FINANCIALLY FREE.
Hi Stacey-Ann
I LOVE your mindset! 😊
And Financially Free you will be! Sounds like you're putting a great deal of self-awareness into action! Keep going!!
Love it
Amen sis! I, too, don't use the term "broke." Who the son sets free is free indeed. You got this. Stay encouraged.
I am here to tell you that is fuckery 😂 If you’re broke you’re broke , just get it right don’t make shit up
Pure gold! You were born to do this Ken! Mary and yourself are a great team!!
Thanks so much, Sheldon! :). I totally agree by the way, it makes life so much easier doing this with my wife!
I could not have said it better! Much love, profits and greetings from The Netherlands!!
Wow !Very informative am a mum of a child with special needs can’t really work full time because of caring duties for my daughter ,ur channel has really motivated me to do something about my circumstance thanks 🙏🏾
Aww, thank you, Gladys and family. That's so good to hear 😊
I also have a disabled child and he is in a wheelchair. How did you change your circumstances please? In 2017 I paid off my mortgage and in 2019 I began paying into a pension.
Loved this video. I'm glad you included wellbeing in this,because the mind has to be clear before you can make positive changes.
Would love to hear your story, I'm sure it will be a great Inspiration!!
Keep up the good work 👍
Cheers, downey jr! 😀. Much appreciated
Thanks alot ken n mary
Iam glad i came along yo channel
Thanks for all the wisdom you share
😊👊🏾
Great video - more nuggets of inspiration. Thanks Sue
Cheers, Sue! :)
I really love your videos, really great information. Thank you for sharing this wisdom!
Much appreciated, Anita! 😊
Another fantastic video. Thank you for the priceless, honest information you have shared. Love that you have a cup of tea 😁
Haha thank you! 😀. Maybe I'll do more teas
Another great video Ken! I watched one of your videos yesterday (how we paid our mortgage in 7 years) and it was really inspiring. I'm slowly going through your others and going to introduce your content to my partner this evening. Keep up the good work!
Cheers, Bradley! Much appreciated 😀
I hit the like button, 3 minutes in to the video!!!! Can't get enough of these guys
Haha, too kind Lucianna! 😀
So inspirational with some solid truth bombs I need to apply for my own financial independence many thanks for your videos
You're most welcome, Lorraine! 😀
Great video Ken, some really great information and thought provoking ideas in this video! Thankyou
Much appreciated, Kris!
This is indeed the best so far on UA-cam for uk and European
You're too kind, Jonathan! 😊🙏🏽
I think this is a very kind and generous video. Thankyou Ken
Much appreciated message, Lisa! 😀
So excited for the frequent content! Keep the vids coming! :D
Thank you, Jade! 😀. It's hard work but we're enjoying learning as we create.
Love your channel Ken, keep the content coming!
Much appreciated, Jazzy! 😊
Ken love your knowledge and outlook!
Much love, Melanie 😊💛
Great video, I like the fact that you relate these issues to your own personal experience. It gives me hope that I can turn my life around too.
And you will, Amanda! 😊
Another great video Ken! 🤩 Freelancing is what first helped me to stop living pay check to pay check and to start creating multiple sources of income 🙌🏽
Nice!!😀 It's such a great benefit that freelancing is an option to a lot of us today.
Brilliant video, Ken. These really put real world problems into perspective. I really appreciate the information and advice you give to us🙌🏻
You're welcome! :). Thank you for watching.
Ken you have taught and motivated me immensely! I am currently living between sick pay and universal credit. Anyway, I am perpetually broke but have got organic and natural cosmetics formulation and brewing kambucha hobbies. All of which I have shared with friends who tell me the products have potential. However, with covid-19 I have been put out of work because of health issues plus my job (healthcare support worker) cannot be done at home. I don't have capital to take it further. Nonetheless, I keep brewing and formulating. I do believe I can fly...
Ken Thanks a very thoughtful video. Your last suggestion on volunteering reminds me that back in the day it was my volunteering that really made my career take off. It got me a promotion. So viewers should not underestimate the power of giving without pay for a period can do.
Hi Mark
That's really good to read. It takes a particular type of individual to volunteer. Everyone who I know has done it usually has only good things to say about it 😀
Really enjoyed this video. Have been there, loved the ideas you gave.
Thank you, Chichi! 😀
Thank you for this video ❤
Really enjoyed this. Just watched your video on setting goals for your side hustles. This answered my questions. Keep up the great work! I like how you can relate and have been where some of us are currently are. Found you guys through your blog💖✊🤗
Amazing! Thanks for watching and also following our blog 😀
Brilliant video, Ken. Your's and Mary's videos have prompted me to get back to my UA-cam channel!
Cheers, Elliot! 😀. Glad to hear it. UA-cam is hardwork but it really is worth it over time if you continue to put in the time to remain consistent.
Elliot! Great to see your channel is going stronger :)
Many thanks for the great contents. All the points are great but the volunteering example ,in my ,opinion is outstanding.
Thanks a lot! 😊
Hi Ken I really love your video's and your content. Very inspirational.
Hugely appreciated, Peter! 😀
Excellent content and delivery! New subscriber.
Thanks a lot, Paula! Welcome! 😊
So in a position where my business isn't paying enough at the moment. The timing of this was great. As a result of this video I've started looking for freelance class instruction opportunities in other gyms
That's a result! 😀
@@TheHumblePenny i had an offer to take over a class for someone who is leaving the area too which is good as it's £22 per class
Your content is BRILLIANT!
Thank you, Natasha! 😊
Hi Ken, love your videos! What do you think are the most in demand digital skills right now?
Great advice as always!
Thank you!
Glad to be apart of the community here man! Just found your channel
Welcome, Travis! 😀
Fantastic video
I'm highly motivated with your content. As a new immigrant in UK ,I need a mentor like you to guide me on this financial freedom.
Thank you so much
We were living paycheck to paycheck. I’ve watched a tonne of UA-cam videos on finance incl you and Ramsey. The thing that stuck out to me was PAY YOURSELF FIRST! My bank allows me to have 5 savings accounts attached to it. So I use them as ‘cash envelope’ type systems. I move money about between them and main account and save in one of those. It’s really helped giving me and hubby our own spending money, whilst paying the bills/food/saving. We’ve done a month of this and now halfway through the 2nd month. It’s worked so well!
PYF is a golden rule :)
@@TheHumblePenny life changer!
I am proud of what you have done soo far and Thank you for the video. You should do a video about financea and marriage and how much weddings cost.
Thank you, Dave! 😀. Great suggestions too!
We have made a couple of videos about marriage and finances and will make more. I also like your suggestion about wedding costs
I think your advice is brilliant and gives me hopr
Stay encouraged
Thank goodness you immigrated to this country. All your videos are very motivational indeed. I think it is best to save some money however low an income then it can turn into an emergency account.
Much appreciated 😀
Volunteering is definitely a good way to gain new skills and also get a reference for any future job you might apply for. Many charities provide extra training for their volunteers and will also pay for any checks you might need if working with children or vulnerable people. It's win win for you and the charity, so long as you do give them sufficient of your time and work.
Very true!
Excellent video.
👊🏼
Another amazing video guys, you just drop so many gems of knowledge. Im always sending your videos to friends and family. Since watching your videos I have become obsessed with finance and thanks to the knowledge I have started saving towards an emergency! I have never achieved anything close to this before, knowledge is indeed power. Your channel is changing lives and I want to thank you. Im looking forward to completing my emergency fund and delving into retirement and investments in the next three months. May God bless your family, your channel and increase your territory 1000, 1000 times.
Amen, Amen and Amen to that! Thanks so much for your super kind message 😊🙏🏽
The 8 who disliked are the broke for life crew 🙄 what's not to like about this video?
Super video. Thank you Ken. X
This video was very inciteful and really made me think about a few things. I'm 20 years old and have been building my own video production company for the last two years. At the age of 18, I deferred my university application and decided to invest in trying to build a sustainable business - just under two years later I'm finally starting to see returning clients and a relatively sustainable income. However, I would still say that due to the volatility of work I'm mostly living from paycheck to paycheck so this video has been a big eye-opener, thank you for the great information! If you have any further tips that might benefit someone like me that would be greatly appreciated!
What were you going to study at university?
Welldone for building your own business. You most certainly have the right mindset.
How would you describe your ideal customer? The one thing I'd suggest is for you to consider selling your knowledge as a digital product.
The Humble Penny hey! I was going to go to university for Film Production. However, when it got to deciding whether to go or defer I realised that over the previous 4 years I’d taught myself everything I’d have learnt in the first 1.5 years so thought it would be a waste of time to go over something I already know.
Thank you! It’s definitely been a hard process.
It’s funny you say that as I’ve been considering doing this for a while now. I was thinking about making a course surrounding the marketing side of the business - I feel there’s a lot of info on how to learn video on UA-cam but not as much on how to make a living from it.
I think it will do well
There are many who have a very good salary but are busy keeping up with the Jones' and trying to maintain a certain image - maxing out the credit cards and not thinking about tomorrow, or if they lose their job/business flounders.
Absolutely spot on. The thing about keeping up with the joneses is that it is not usually obvious to a lot of people. It starts off very subtle and then creeps up. Read my detailed blog post about it here:
thehumblepenny.com/keeping-up-with-the-joneses
A great way of cutting costs is to purchase second hand clothing. You can purchase top quality brands for a fraction of the price.
Where do you buy these from?
The Humble Penny , I live in Holland, so I use the Dutch version of eBay. I also visit second hand clothing stores which specialize in branded items. A few years ago I bought a beautiful 300 euro Ralph Lauren jacket for 50 euros. Funny, because I get many compliments from my friends. 😂
Wow, amazing!
Thank you for your content, I find your channel very inspirational! Will look forward to your video of your journey to becoming financially independent. I live pay check to pay check because I don’t budget properly and have made poor choices! With the help from your videos, I am making changes through selling unwanted items from around my house and budgeting better. I have no emergency fund. I have a 0% credit card and a low interest loan, would you recommend I pay these off first or build an emergency fund? Many thanks 🙏
Hi Eleri
Thank you! 😀
I'd say you should build that emergency fund. It shouldn't take too long if you focus on it. You need that buffer and don't want to dip into overdrafts or even possibly taking on more expensive debt.
Once you've built up a bit of a buffer, then you need a game plan for your low interest debt whilst keeping an eye on the 0% credit card.
That's how I would do it.
Thanks, I will do that 😁 So glad I came across your channel!
@@eleriwilliams9818 please could you tell where you sell the items. I have decided to improve my life and sell somethings especially children's shoes as there's too many of them in my locker.
Hi I sell on eBay and gumtree
Well done, excellent content. Je si ike
Dalu! 😊🙏🏽
hey there wow grate video. But how did i missed out on this one
It's one of my favourite videos to have made :)
I think my future lies with digital skills. I live with an energy limiting disability that's very unpredictable. It can also affect me cognitively, so even doing things online can be difficult and sporadic I've been online since the 90s, used to run a couple of Yahoo groups and started up a local Freecycle group years ago. I think I need more hard digital skills, rather than soft ones. Not easy as I'm broker than a very broke thing on the end of a very skinny broke stick. 😄 I can't attend a class due to my disability. I definitely need to do more research. It's slow going as that's the only speed I can go at. Food for thought though. Thanks for that 🙂
So sorry to read this 😐. Digital skills most certainly offer a way out. Learning is a gradual thing though and relies heavily on application of your Learning
Regarding those living from pay cheque to pay cheque a simple solution is either you increase your earning or decrease your spending. If one can cut back on acquiring depreciating liabilities and focus on mainly on appreciating assets. I was once broke and this is exactly what I did, reduce my expenditures, buy assets, invest 25% of your monthly wages, save a further 25% in cash and the remaining 50% to service liability such a mortgage, food and bills. Excellent content!
Thank you!
invest where? the stock market?
very valuable
Thank you!
Fantastic video. Would you be interested in creating a video focusing on this topic for the over 40? Many of us have spent our lives struggling to bring up families and suddenly you hit 50 and wonder how you're going to fund your retirement
Thank you! 😀
The thing about what you've asked is that it requires a different game plan for each person.
Without sounding salesy or anything, it's why we've created our Membership Programme for such deep dives and to actually help people take massive ACTION because time isn't on their side at all.
Feel free to check it out:
FinancialJoyAcademy.com
I like the content of this video. Living pay to pay check is a war for immigrant in this country. The best way is to change your circle and invest in your self in other to raise your source of income. Imagine you came to this country alone by yourself. Getting document and living your dream life . No be joke🙅🏻♀️
100% 😎
I volunteer for olio and that helps keep my food costs down and helps others
brilliant
Prof, you continue to remain inspirational.
👊🏾👍🏾🤑✅💯💰👌🏾
Thank you, bro!
Great content. New subscriber
Cheers, Paul.
Hi Ken thank you so much for your videos I have been watching different once since coming across your channel yesterday to learn more about investing. I'm currently living paycheck to paycheck and hope to become financially free and able to save and invest. My struggles right now is mainly because I'm a single mum of three I work full time in recruitment so I don't earn what I would desire to. I found this really helpful!!! Thank you and be blessed
Be blessed, Catherine 😊. Let us know if there's anyway we can help you
Thank you, I have officially registered with Upwork :) so I'm on my journey to better my finances
Yes! Living paycheck to paycheck SUCKS!!! I stay with my company for insurance purposes ...what I want to believe is STABILITY Which I KNOW it is not...the false belief that this paycheck is GUARANTEED funds...you KNOW you will get that check! The list goes on and on and on 😊...
This video..... My word
😆🤔
Can you do a video on saving for a first property and all the budgeting things to do in the lead up. Also mortgage or a cash buy. Thanks
Great suggestion! We'll make that video. 😀
@@TheHumblePenny oh good cause I am confused. How Much Emergency Fund first? How much deposit or cheaper and a cash buy? What about saving for a house and retirement? What about working with limited incomes. My poor brain
@@lj2070 Emergency fund should be 3-6 months of current spending.
Minimise your mortgage as much as possible as it is only going to cost you money via the bank's interest rate (even though they are very low at the moment). Best way to do this is really consider what home you're buying... do you really need 3/4 bedrooms in a fancy neighbourhood, or will 1/2 bedrooms in a slightly less desirable area suffice, the latter can be half or even quarter the price! If you have a small mortgage, then you can put more money towards long term savings for retirement.
Incomes are only limited by ourselves.
So I’m living pay cheque to pay cheque. My personal block is cash flow, I have a strong tendency to let more to than I do save. Particularly I find leaving all my cards at home a help and just using cash, but is that hiding from the problem?
This is enlightening and consistent content ! Next step - best selling author(s). You and Mary should put your financial/ life journey in a book. Could we have more investing videos please? Specifically the tail end - there’s lots on top end /putting money in but can we have more on dividends and taxes / reinvesting / deciding if and when to sell shares to take money out? Also what investment products/ ISA do you recommend for kids- any different from adults ?
Hi Uju,
Thank you! 😊
A book would be fab! It's pretty much a project. Something we hope to explore in the near future.
Great suggestions for content. Noted.
Quite informative
By the way, we've finally started working on that book :)
Brother u need to make that video how you make it to uk
Ken.. I am from Oguta and an immigrant as well. I have to say your videos speak directly to me. Guess the bit about living paycheck to paycheck whilst trying to sort out debts racked up over years as an immigrant just basically applies to me. I have total debts of just under 10k and it's frustrating servicing these debts whilst trying to meet other obligations.
After watching your video just now, I have applied for two part time weekend jobs. And I'll look to see how I can improve my digital skills to my WiFi makes me money. Funny when you mentioned Freelancing, it just hit me how I just mentored my sister to get her a very decent job pre-graduation through re-editing an online job assessment responses and practicing mock interviews. How to turn this into a freelance or business opportunity hasn't quite hit me. People at work send their competency answers to me to assess before they submit for job applications. Well done for your videos. Really insightful.
Uzoma, Omenaha?
How did you come across our Channel? Great to be chatting with you bro! Hope one day to do an Oguta Youth Summit or something 😀.
Yeh, digital skills are skills for freedom. If you're not already on our membership waiting list, make sure you join ASAP. I'll be teaching a lot of these practically in that space. You're certainly on the path to getting out of debt. With more creativity and effort, you'll see changes.
Here is the academy waiting list:
thehumblepenny.com/FJAlist
@@TheHumblePenny.. Nwanna.. Mbona and I am doing well. Hope you are too. I believe you shared a bit about what you do on an Oguta watsapp forum but I didn't pay it any particular mind then. However, your page got recommended to me as I was trying to glean some knowledge about diversifying my portfolio as opposed to doing my 9 - 5 and just getting by. Most forums are US tailored but I love that your page is British and underpinned by a bit of BAME realism. I have subscribed to your academy waiting list. Hopefully this slowly helps me stand taller and rack up little progress nuggets.
YOU HAVE A GOLD MINE IN YOUR HANDS!!!!! Your skills are very much in demand.
Off the top of my head I'll say:
1. Learn to write CVs and Resumes as well.
2. Learn to write Statements of Purpose, Personal Statements etc
3. Register on upwork and fiverr.
4. Get active on Nigerian Twitter and Instagram. From experience, so many people are looking for these services.
I know a company that charges about £15 just to write CVs (In Nigeria)
Add that to your already existing skills and you have a winner!
5. Finally, (because you are my Igbo brother, lol) As a long term plan, save some money, take a course on how to start an online business and then go full blown into Education and career Consulting services- scholarship advise, getting people in Nigeria into schools in UK, mock interview sessions charged at an hourly rate etc.
Hope this helps. All the best!
Defo live paycheck to paycheck mainly from bereavement
The only reason I can't breakout because of £900 Personal Loan. The last point was really good, although I got job I will be looking for Volunteering jobs in weekends.
Great video. I went through a breakup last year and have really struggled after losing an income. I make a decent (well above average) wage but my expenses were affordable with another income.....and now they're not.
Something I really need to start doing it freelancing. I am a software/web developer and already have a valuable skillset to be freelancing and earning some money on the side, but I just can't seem to get started. Do you have any tips for how to start out freelancing at all?
Hi Jessica
Sorry to read about your breakup. This is a difficult aspect of a relationship.
Have you considered targeting the blogging communities. Tons of people have crap sites and need help creating something with potential future value.
Do you have links to any work you have done in the past? Do you create WordPress sites?
@@TheHumblePenny I actually don't make WordPress sites, or have examples because all of the projects I've been a part of have been for work, so while I was a part of it and have created lots I can't put it in my own portfolio :/
Maybe learning WordPress could be an option for me, I have thought about it before but it would take time away from learning tech in my spare time that will help my career. Frameworks like React & Gatsby for example will help me make more money in my 9-5 🤔
There are people making money from making Wordpress sites who maybe don't have as much coding experience as I do though so maybe I should give it more thought.
Thanks for your reply 😊 👍
I clicked on the video, paused it, went to make a coffee and enjoying it while listening to you. I would never bother to do this if I wasn't sure it's going to be a good video. So, you take a sip, I take a sip too, lol. Speak to me!
I think a key point you mentioned is to take radical action. I decided to go to university as a mature student with 3 kids and study accounting. A year later I convinced my partner to do the same. I'm about to graduate this year so I'm almost done. I managed to get my first accounting job that paid the most I have ever been paid per hour in my second year of uni. Now, I'm about to start my next position next week with an even further pay rise and a great benefits package. The way I got my first job was by being even more radical; I asked for help which is something I rarely used to do. As a person who was always so shy and timid and had so much pride, I reached out to my network and let them know I was looking for my first position in accounting. Within 2 weeks, I got a job offer without an interview through a friend from a company they used to work with. So definitely be radical and also build and maintain your network, I cannot tell you how valuable your network is.
I still have a way to go, but I can see the light. But your videos just spur me on Ken and Mary. I feel I've discovered you just at the right moment in my life. This is your purpose!
I live pay to pay. It's stressful. I want to be able to work a few hours a week and still make enough to cover expenses and save.
It's possible but will take some work to create something different that can give you that lifestyle. It will also take some time because tied to achieving what you want to achieve is the need for a massive mindset shift.
If you need the help, feel free to checkout and join the waiting list for our soon to launch membership programme. Please ONLY join if you're ready to do the work necessary. Otherwise you'll waste your time and money:
thehumblepenny.com/FJAlist
If you join the list, please complete the personal survey that will follow by email.
Which country are you from? You sound like you’re from the UK x
Which dramatic person edited this?🤣🤣😂😂😂. That broke announcement was just so dramatic 😂😂🤣🤣
😂😂😂
I couldn't find the podcast in question
Please go to my media page. It's the Dope Black Dads podcast. I left a link in the notes of this video.
Look here:
thehumblepenny.com/media
When there, scroll down to my podcast appearances and look for the Dope Black Dads episode.
Silly me, I just looked at the top of page. Thank you.
That was me that I moved to Australia.
Ditto Started in WA from scratch at the age of 36 with $0 in the bank.
Great to hear that this was your reality too!
WOW, at 36, that must have been tough. What did you do to start to see a change in the $0 balance?
@@TheHumblePenny Hard work! Worked two jobs (delivering fish to restaurants in the early morning 4am - 9am and pizzas in the evening 5pm - 9pm) and went to uni during the day for a year. Never let you ego get in the way of earning a dollar.
@@downwind_david this is interesting I was planning to come to Australia with my family I am a carpenter that is my skills my wife is a social worker we are planning to build our family there with one kid what are the chances of making it I am 39 now
How can I contact you.
What age did you emigrate? You’ve got less of an accent then me!
14 😊
This channel is so underrated. I think it’s time I send WhatsApp to the family group to subscribe.
Haha thanks a lot, Ali! 😊
I know right.
Thanks 🩷