Have you ever noticed how differently you move when you’re surrounded by people who are actually taking action on the same goals you have?
The kind of people who are actively working on their finances instead of just consuming advice online and hoping things improve on their own.
Something shifts when you’re in that kind of environment.
You become more intentional with money, and decisions that once felt stressful or easy to avoid start feeling much more manageable.
This month inside the Don’t Go Broke Collective, two members shared wins that perfectly captured that shift.
Win 1: The car repair that didn’t become a crisis
One member – let’s call her A – joined the accountability group in November, already knowing a lot about finances.
Still, she admitted there were a few financial habits she hadn’t implemented consistently before joining the group.
One of those was opening a separate account just for her car expenses.
She’s planning to buy a new car soon, so she automated $1,000 into that account every month to cover everything car-related: payments, insurance, maintenance, gas, all of it.
Then, out of nowhere, her current car needed a coolant container replacement over the weekend.
Instead of panicking, stressing, or trying to figure out how to cover the expense, she simply paid for it from the account she had already prepared.
This is exactly how she described it:
“I did not for a moment have to think about the cost or ask myself how to pay for it. I just took it out of the car account, and it felt so good.”
People often think financial progress only counts when it looks dramatic. But it counts just as much when you’re able to handle an unexpected expense without immediately spiraling into stress.
She even ended her post by saying the experience convinced her to start setting up more funds like that for other parts of her life too:
“Just set up a roof account::))”
That’s how mindset shifts happen. One small win changes how you approach everything else.
Here’s her full message to the group:
“I joined this group in Nov and although I am older and do know a lot about finances, there are practices this group has convinced me to put in place that just paid off. I opened an extra account for my car(planning to buy a new car soon). I automated a payment of $1000 dollars into that account monthly since Dec last year. It is supposed to be for everything car(payment, insurance, maintenance, gas). I just had to replace my coolant container in my present car over the weekend, and it was a completely unexpected thing that came up on Friday. I did not for a moment have to think about the cost or ask myself how to pay for it. I just took it out of the car account, and it felt so good. The fact that I did not have to think about it and it came out of already allocated funds just made me even more convinced to set up more funds like this(just set up a roof account::)).”
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Win 2: She thought her goals were “too big”
Turns out they were too small.
Another member, let’s call her B, joined the group in January, terrified to even write her financial goals down.
Writing the goals down made them feel real. And sharing them with other people in the group? Even scarier.
So when she first set her targets, she played it safe.
Then recently, she sat down and totaled everything she had saved, invested, and repaid in debt since joining the group.
And she realized she was already ahead of the goals she originally thought would take her the entire year to hit.
This was her exact message to the group:
“Tallied up how much I’ve saved, invested, and repaid in debt since I joined this group in January, and I discovered that I’m well ahead of the curve in hitting the goals I set for myself initially by the end of the year.”
Then she admitted something that I think a lot of people will relate to:
“I was leaning very conservative when I set them, because I was so terrified to write them down, much less share them with the group.”
And now?
“So now I’m thinking I should set some new, bigger targets for myself, which is exciting because I feel that so much has changed for me, as far as my focus and mindset about money in such a short time.”
That’s the part I love most. She’s no longer thinking from a place of fear or limitation – she’s now thinking bigger about what’s actually possible for her.
Here’s her full message to the group:
“Tallied up how much I’ve saved, invested and repaid in debt since I joined this group in January, and I discovered that I’m well ahead of the curve re hitting the goals I set for myself initially by the end of the year (which makes sense because I was leaning very conservative when I set them, because I was so terrified to write them down, much less share them with the group). So, now I’m thinking I should set some new, bigger targets for myself, which is exciting because I feel that so much has changed for me, as far as my focus and mindset about money in such a short time.”
CTA: Join the group
What both of these stories really show
Neither of these women needed another budgeting template.
They needed consistency.
Perspective.
Accountability.
A space where financial growth becomes part of your everyday life instead of something you “start next month.”
That’s what the Don’t Go Broke Collective is.
A place where people stop quietly stressing about money alone and start building better habits around people who genuinely get it.
If this sounds like the kind of shift you need…
Inside the accountability group, we meet twice a month and work through real-life financial goals together:
- Saving
- Investing
- Debt repayment
- Financial planning
- Building better habits
- Creating long-term stability
- And more!
Most importantly, you do it alongside people who understand where you are because they’re actively working on their own goals too.
If you’ve been wanting to feel more in control of your finances, but haven’t had the accountability or support around you to really move differently… this is for you.
Your win could be one decision away.
CTA: Join the Don’t Go Broke Collective
For my Nigerian community: You’ll need a VPN to access Skool. Make sure you have one set up before you join so you can get straight in.
Until next time,
xoReni
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