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10 Reasons Why Most People Spend More Money Than They Earn


10 Reasons Why Most People Spend More Money Than They Earn

Date: 2019-10-29 16:00:06


One BIG reason people remain poor is that They Spend More Money Than They Earn. Today we explore WHY! Spending less than you earn is the beginning of your journey to Financial Independence 🙂 ♥


6 Ways To Attract MORE MONEY To Yourself –

10 Things To STOP Paying For NOW! | How to Save Money UK –

10 Mindset Shifts That Changed My Life FOREVER! –

How We SAVE 60% of Our Income for Financial Independence –

Our 12 Multiple Streams Of Income For Financial Independence –

12 BEST SIDE HUSTLE IDEAS To Make Extra Money –



(07:07) – Is Keeping Up With The Joneses Destroying Your Future? –
(08:14) – How To Create A Budget The Works For You –
(08:28 / 08:38) – BUDGET FOR LIFE –
(18:50) – 12 BEST Side Hustle Ideas To Make Extra Money –
(19:00) – 27 Legit Ideas on How To Make Money Online –
(19:05) – 85 Ways To Make Extra Money –


Canon EOS M50 Camera –
Canon 5D Mark II Camera –
Canon EF 24 – 70mm F2.8L Lens –
Canon EF 50mm F1.4L Lens –
Manfrotto Tripod –
Apple iMac 2019 –
Rode Microphone –

★★ ABOUT US ★★


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 🙂


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 of 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 YouTuber 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.

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 🙂


Blog –
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Email –


Visit our online school at Financial Joy Academy for Video Courses, etc:


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Massive thanks for watching and following our channel 🙂 ♥

Best, Mary and Ken Okoroafor

DISCLAIMER: We are NOT Financial Advisers and do NOT offer Financial Advice. We create these videos for education and entertainment purposes.

AFFILIATE DISCLAIMER: For FULL Transparency, some links above or in this video may be Affiliate Links. This means that we might receive a commission if you purchase through our affiliate links

#howtosavemoney #MoneyMindset #howtospendlessmoney

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