My Money is Never Enough
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My Money is Never Enough

Another month, the same struggle. Do any of these resonate with you?

It’s halfway through the month, and you’re wondering how your salary is going to stretch another two weeks.
It’s the end of the month, and your salary is late. You’re frustrated because you just managed to stretch your salary enough to last you until pay day, and now you don’t know what to do.

Finally, you’ve gotten paid! First thing you do is to pay the bills for the month. Once that’s done, you wonder how you’re going to survive another four weeks with the little that’s left.

Have you ever experienced any of these? The question is – how can you get out of this rut?

I could sit here and type some motivational words to get you going, but let’s be real, to get out of this rut, you need practical tips. Once you’ve read them, do them, and you’ll see results eventually. Let’s go!


1. Track your expenses.

Most people cannot account for every single penny, pence, or pesewa they spend, and it’s to their own detriment. Write them down, use Excel or a budgeting app, and I bet you’ll be surprised at how you’ve been spending your money.


2. Once you start writing down your expenses, you’ll notice areas where you need to cut things down.

That daily after-lunch chocolate bar? Buying a few beers while watching the game three time each week with the boys? Getting your hair done every single weekend? Cut them down or out completely. If you do that and you still don’t have enough money left, it’s time to consider earning more money.


3. Assuming you’re doing your job superbly well, ask for a raise.

If you don’t ask, you never know what you could be yours. What’s the worst that could happen? They may say no. If they do, you know what to do next…


4. They said no to your request for a pay increase?

It’s time to get a better paying job. Don’t feel bad about it either – you need to do what you need to do. There are plenty of jobs out there. Please do not quit your job until your find a new one. Be careful – don’t be applying for jobs openly at your current place of employment.


5. Look for an alternative way to make money.

What are your hobbies? What do you enjoy doing? What are your talents? What do people around you commend you for, tell you you’re a natural at it? Take some time to reflect on your options and start – consider freelancing as well. You may try a few different possibilities before you find the one that suits you – be patient with it.


Cut down expenses and make more money – that’s what it comes down to. Stay in your financial lane while looking for an opportunity to make more money. Good luck!


As someone who grew up in the same city her whole life – Ottawa, it was quite a surprise to everyone – myself included – when I decided to move to Ghana in 2009. After seven years spent working in different sectors, namely NGO, IT and Energy, I decided it was time for a change. This change had me move to Abu Dhabi (not Dubai – just had to point that out ha!), in 2016, where I started working as a financial advisor. I’m currently working as a Senior Advisor with Holborn Assets and am also working on building a community of women in UAE (and everywhere) who are the boss of their finances. You can reach Lydia on and Twitter/ Instagram as @lydialydzzz .

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