Ever wondered why, no matter how much money some people make, they’re always broke?
They could be earning PKR 50,000 or PKR 500,000, and yet, by the end of the month, their wallet is screaming for loans.

It’s not just bad luck or a low salary—it’s habits.
And if you’re stuck in the paycheck-to-paycheck cycle, don’t worry.
Today, I’ll break down why most people stay broke and how you can escape the trap.

1. Spending More Than They Earn

This is the #1 reason people stay broke.
They upgrade their lifestyle as soon as they get a raise.

  • New job? Time to upgrade to an iPhone.
  • Bonus? Let’s go on an expensive trip.
  • A little extra cash? Why not eat out every day?

The Problem? Instead of saving or investing, they increase their spending.
No matter how much they earn, they’re always at zero by the end of the month.

💡 How to Fix It:

  • Live below your means (just because you can buy something doesn’t mean you should).
  • Set a monthly spending limit and stick to it.
  • Always save first, spend later (more on this later).

2. Not Tracking Their Money

Most broke people have no idea where their money goes. They just keep spending without tracking.

If I ask you right now, “How much did you spend last month?” and you can’t answer, that’s a problem.

💡 How to Fix It:

  • Write down every rupee you spend (yes, even that PKR 300 coffee).
  • Use a budgeting app (like Notion) or a simple notebook.
  • At the end of each month, check where your money went and cut out useless expenses.

3. Relying Only on One Source of Income

In today’s world, a single salary is not enough—especially with rising inflation in Pakistan.
Prices go up, but salaries stay the same.

Most broke people depend on one job and hope for a raise. But hope is not a strategy.

💡 How to Fix It:

  • Start a side hustle (freelancing, online business, content creation).
  • Invest in high-income skills (web development, marketing, sales).
  • Look for passive income opportunities (real estate, dividends, digital products).

The more income streams you have, the less likely you are to stay broke.

4. Not Saving or Investing

Broke people either:
❌ Save nothing (because they “deserve to enjoy life”).
❌ Save but never invest (so their money loses value due to inflation).

If you’re keeping your money in a regular savings account, you’re actually losing money every year.

💡 How to Fix It:

  • Save at least 20% of your income before spending anything.
  • Invest in stocks, mutual funds, gold, or real estate (start small but start!).
  • Learn about compound interest—it’s the secret to getting rich slowly.

5. Using Debt for Stupid Reasons

Not all debt is bad (business loans, student loans, or real estate loans can be smart), but most people use debt for things that don’t make them money.

❌ Credit card shopping
❌ Buying a car they can’t afford
❌ Personal loans for vacations

If you’re paying interest on things that don’t make you money, you’re literally paying extra to stay broke.

💡 How to Fix It:

  • Avoid debt unless it’s for an investment.
  • Pay off high-interest loans as soon as possible.
  • If you can’t afford it in cash, don’t buy it.

6. Thinking “I’ll Start Later”

This is the deadliest mindset. Most broke people say:

  • “I’ll start saving when I earn more.”
  • “I’ll invest when I have extra money.”
  • “I’ll start a business when the time is right.”

Spoiler alert: That “later” never comes.

💡 How to Fix It:

  • Start saving/investing now, even if it’s just PKR 1,000.
  • Take action today, not someday.
  • Even small steps compound over time.

Bonus: The “Pay Yourself First” Trick

If you struggle to save money, try this:
💰 Whenever you get paid, save first, THEN spend.

For example:
📌 If you earn PKR 50,000, save PKR 10,000 immediately, then use the rest for expenses.

Most people do the opposite: Spend first, then save “if there’s anything left” (spoiler: there never is).

Flip the formula, and you’ll never stay broke again.

How We Can Help You Earn More

If you’re ready to break out of the broke cycle, we can help you start an online business, monetize your skills, or grow your brand. Check out ArchaeoAgency.com!

Final Thoughts – Choose to Break Free

Most people stay broke because they don’t change their habits.
But now you know better.

  • Track your money.
  • Spend less than you earn.
  • Save and invest.
  • Build multiple income streams.
  • Take action today, not “someday.”

Financial freedom isn’t luck—it’s a choice. Choose wisely.