If you’re living paycheck to paycheck – like most Americans do – you’re half a step away from going into a money hole. One emergency could be enough to completely break you.

The answer to how to stop being broke is clear and has been for years – to stop being broke you need to save (both short-term and long-term).

Yet, despite the knowledge being widespread, many still seem to think that the only way to stop being broke is to have a substantially larger income – which is wrong, plenty of people with large incomes are broke.

To stop being broke you need to stop making excuses for it and get on the plan.

Any of these familiar to you? These are the ones you need to drop ASAP.

Tired of Making Excuses?

1. “I Don’t Make Enough to Be Saving”

You can start saving no matter how small your paycheck is. Granted you’ll need to adjust your lifestyle, finding where you can cut expenses, and getting on a budget – but you can start saving, even just 5% a month.

No matter how much you earn, if saving money isn’t your habit, you’ll not stop being broke. After all, spending money is the easiest thing in the world.

2. “I Don’t Have Time to Be Frugal”

Cutting expenses takes diligence and dedication – having a mindful shopping list, cooking at home, finding cheaper living and transportation options.

Yes, it takes effort and time – but sounds like you think you can afford to keep being broke over investing your time in stopping.

3. “If I Spend Less, I’ll Miss Out On Experiences”

You can have experiences after you build up your emergency fund. Sometimes things need to be sacrificed for the greater good. In the long run, you’ll find they’ve been worth it.

4. “I Can’t Save, I Have Loans to Pay Off”

Granted, as excuses go this is a good one. Still, saving an emergency fund should go before paying off your debt. While debt payoff is necessary to stop being broke, it can be approached smartly.

Namely with gazelle intensity, after you save up some cash.

5. “Why Do I Work, If I Can’t Spend?”

No one who makes this excuse will stop being broke anytime soon. Get on a budget, and start spending mindfully.

6. “This Is Self-Care”

No, it’s not and you’re not going to stop being broke anytime soon if you keep believing that. The term “self-care” has been bastardized by the internet (and corporation marketing strategies) to make people believe like giving themselves gifts to feel better is the primary meaning.

In reality, self-care is not about things you want, but things you need – like getting out of bed and taking a shower even if you’re depressed and getting up seems impossible, like eating a good nourishing meal even if you’re not feeling like it. Self-care is about taking care of oneself – and things that keep you broke aren’t on the self-care list.

7. “It’s The Circumstances, Not Me”

It might be circumstances but it’s also you. You’re never going to stop being broke unless you take some initiative to improve the situation – because God knows no one else is going to do it for you.

8. “I Can’t Seem to Catch A Break”

Probably the most valid out of all the excuses – if you’re constantly bombarded by financial emergencies one after another, saving money can seem impossible. After all, most American paychecks aren’t quite enough to take care of most American emergencies.

(Which is why you need the emergency fund).

If that’s your case, you need to 1) grit your teeth and power through keeping long-term plans in your head; 2) come up with a short-term plan of how to deal with problems at hand.

The best way would be to get some extra cash together without adding to your existing debt – but if that’s not a possibility, then auto pawns could work for you.

Why Auto Pawns?

Auto pawns are easy to apply for, accessible for most people, and – what’s most important in an emergency – quick.

You can apply for an auto pawn even if your credit is bad (or non-existent altogether!), as long as you’re over 18 and your vehicle title is in your name without any liens against it.

Additionally, Georgia Auto Pawn works with all kinds of incomes and the representative you’ll be working with will accommodate your circumstances to the best of their abilities.

What Is The Auto Pawns' Application Process Like?

1. Go to the Georgia Auto Pawn website and submit an online inquiry form;
2. Answer the phone when the store representative contacts you to provide further instructions;
3. Take your car, your lien-free car title, and your government-issued ID to the meeting, so that the store representative can assess everything.
4. Wait for the store representative to determine if you qualify for the loan;
5. Get approved and get the money you qualified for!

This entire process lasts, on average, around 30-40 minutes.

Stop making these excuses for being broke and do something about it! If you live in Georgia, don’t forget Georgia Auto Pawn, Inc. can offer you title pawn cash in Georgia the very same day you need it.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.