Money-saving advice for individuals facing financial hardship

by | Aug 7, 2023 | TIPS Bonds | 35 comments

Money-saving advice for individuals facing financial hardship




Trust us with these super legal and not at all dangerous tips for financial security!

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cast:
Grant O’Brien

crew:
Director – LeAnn Bowen
Producer – Pam Robison
Cinematography – Luc Delamare
Writer – Grant O’Brien
President of Original Content – Sam Reich
Vice President of Production / Executive Producer – Spencer Griffin
Director of Production – Sam Sparks
Director of Post Production – Michael Schaubach
Supervising Producer – Alex Edge
Production Coordinator – Doug DeLuca
First Assistant Camera – Arturo Ochoa
B Camera Operator – Huan Manton
Gaffer – Vincent Valentin
Key Grip – Devin Wilson
Sound Mixer – Kevin Coons
Post Production Supervisor – Stephanie Zorn
Post Production Manager – Evan Watkins
Head Assistant Editor – Phil Fox
Production Legal – Karen Segall
Production Accountant – Shay Parsons
Assistant Production Accountant – Giles Moffett
Second Assistant Production Accountant – Chetera Bell
Production Assistant – Chris Triggiani
Production Assistant – Jake Sperling
Intern – Grace Earley…(read more)


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Financial Tips For BROKE People

Being broke can be a very stressful and challenging experience. However, there are steps you can take to improve your financial situation and regain control over your life. By following these financial tips, you can start making progress towards a more stable and secure financial future.

1. Create a Budget: The first step towards financial stability is to create a budget. Start by listing all your income sources and then create categories for your expenses, such as rent, groceries, transportation, and debt payments. Be realistic about your spending habits and find areas where you can cut back. Stick to your budget as closely as possible to avoid overspending.

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2. Reduce Your Expenses: Look for ways to cut down your expenses. Look for cheaper housing options, minimize eating out, cancel unnecessary subscriptions, and shop for deals and discounts. Small changes in your spending habits can add up to significant savings over time.

3. Prioritize Debt Payment: If you have outstanding debt, such as credit cards or loans, make it a priority to pay them off. Start by listing all your debts, including their interest rates, and create a debt payment plan. Consider consolidating your debt or negotiating with creditors to reduce interest rates. Focus on paying off high-interest debts first and then work your way down.

4. Increase Your Income: Finding ways to increase your income can greatly help in your financial situation. Look for part-time jobs, freelance work, or consider selling unwanted items. You could also upgrade your skills or education to qualify for better-paying jobs in the future.

5. Build an Emergency Fund: Having an emergency fund is essential for dealing with unexpected expenses. Start by setting aside a small amount of money each month and gradually build it up to cover at least three to six months of living expenses. This will provide a safety net when you face unexpected financial setbacks.

6. Track Your Spending: Keep a record of all your expenses to identify areas where you may be overspending. Use smartphone apps or budgeting tools to track your expenses easily. This will help you become aware of your spending patterns and make necessary adjustments.

7. Seek Financial Assistance: If you are struggling to make ends meet, consider seeking financial assistance. Look for local grants, charities, or government programs that can provide temporary relief. Additionally, reach out to credit counseling agencies who can guide you in managing your debts and finances effectively.

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8. Plan for the Future: Despite your current financial situation, it’s essential to plan for your financial future. Start saving for retirement as early as possible, even if it’s a small amount. Consider investing in low-cost index funds to benefit from the power of compounding over time. By planning ahead, you can set yourself up for a more secure and comfortable future.

Remember, being broke is not a permanent condition. With discipline and determination, you can overcome financial challenges and build a better financial future. By implementing these financial tips, you can begin to take control of your finances and improve your overall well-being.

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35 Comments

  1. ChikunVA

    Broke Tip: 15ct

  2. UdonBullets

    "this will never apply to you, eat ass, and think about ways to die"
    I'm sad that this is so relevant to me

  3. Johnathon Nielsen

    Pro tip: Look for open house showings in your area, many will put out snacks for those "looking to buy."

  4. !?

    Ideas:
    1. Warehouse club stores

    2. Getting groceries using a bicycle and bicycle trailer

    3. Tu bi, plu to, free vee etc instead of say net flix

    4. Getting no-name stuff instead of brand name stuff

    5. Getting a TV antenna box to replace your cable.

    6. Getting stuff off the free sections of certain websites instead of going to a store

  5. Tom

    And- THIS IS IN LA. Aka a city with free health insurance. Tip #1!!

  6. Tom

    Y’all in the comments concern me. Talking bout “tipsss”

  7. Electric Spider

    These are unironically pretty good tips at surviving as a poor person.
    Robbing a bank will guarantee you some food security for quite some time regardless of your success.

  8. Levacque

    I can't believe that faking your own death wasn't on the list. If you think actual death is a great option for fleeing your creditors, wait til you consider having your cake and eating it, too!

  9. hoggysloppyyumyum

    Grant's entire young adult life is the song Like A Rolling Stone by Bob Dylan.

  10. val dibona

    1:55 this was made 6 years ago… and yet it still got some things right

  11. Edward .Gamble

    I guess collegehumour should have watched its own videos :/

  12. Konner Dent

    Grab fast food receipts from the trash and scan them in app for free food rewards

  13. ThePerfectBurger

    3 got me good “if your broke, that means getting cash however you can” shows gun

  14. CringeKid

    “Offer your friend anallingus”
    – Grant 2016

  15. SkySong6161

    "Start a fake charity"

    Hey now, wasn't this supposed to be for broke people? The rich start fake charities all the time for tax evasion!

  16. Oh Bruh

    really puts the "college" in "college humour"

  17. Dmr

    Here’s a tip for all y’all broke Chicagoans: every Giordano’s throws out unclaimed pizzas in the box. One large Giordano’s pizza can have as many as 6000 calories. Check and see if the cheese is still warm—if it is, it’s most likely perfectly safe to eat.

  18. Help Me Reach 1k With One Vid

    Now that I'm officially in college, I'm using his broke tips
    I thought this was just a sketch, this crap just got real and helpful

  19. LFTRnow

    We need the version of this for 2022 for real estate.

  20. ANeM

    This has become legitimate journalism in the UK.

  21. emmeeemm

    "Maybe you'll get lucky and some of that money will be coated in a fatal virus." Yeah, so, I'm writing from the 2020s to tell you that…

  22. NevTheDeranged

    As a broke person, I really appreciate tips that apply to my actual life.

  23. Yoheza

    This video is ahead of its time

  24. Nico

    He's saying just die so you won't have financial problems!

  25. Haruki春樹

    0:36 ever considered moving to Sweden?

  26. a24396

    I remember driving home from work after a double, and skipping meals because I couldn't afford bridge tolls + gas and also food.

    It's funny, no bank will let you buy a house if your monthly payment is going to be above a certain percentage of your income… Odd that you can ALWAYS pay rent that's a MUCH higher percentage. (And the "bonus" is you build absolutely NO equity when you're renting, which is why the financial industry has been pushing the "advantages" of renting)

  27. The Overpreparer, Lamenters 3rd

    Alternatively, if you have a job, you can earn plenty even with minimum wage by working 112 hours a week. This removes the need for a mortgage and transportation.

  28. Rural250wound

    If you're broke…….. just use glue.

  29. Le Fishe

    They really be putting the college in CollegeHumor

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