Tired of being broke? These personal finance tips will help you keep going when you have no money and start moving towards financial freedom.

1. Keep a positive mindset

Right now might be a tough time for you financially, but realize it will pass. Nothing is permanent and you just have to do the best you can to get through it.

Stressing and having a negative mindset isn’t going to change the situation, it’s only going to make you feel worse. Take it day by day and focus on the positive.

2. Try a no-spend challenge

Turn saving money into a game to stay motivated. Try not spending money for a week or do a 30-day no-spend challenge. Certain necessities like groceries are allowed, but any extra spending is not allowed.

3. Find free activities to keep busy

If you are broke, staying in and moping about the situation isn’t going to help. Go for a walk, check out a book or movie from your local library, or look for free activities in your community. Keeping busy will take your mind away from your current financial situation.

4. Skip grocery shopping for a week

How much does your family spend on groceries per week? 

 Try skipping the grocery store for a week and eating what you already have in your cabinets and freezer.

I try to do this once a month to keep my grocery costs down ( and use up what I have already).

5. Sell items you don’t use for extra cash

Chances are you have plenty of things around the house you don’t use anymore. Clean out the closets, basement, or garage and sell them for some quick cash. Try Facebook buy/sell groups, Craigslist, or any other local community groups.

6. Take a close look at your budget

When money is tight, a budget is a necessity. Create a budget so you’ll know how much money is coming in and where it’s being spent.

7. Cut unnecessary expenses

When you first find yourself with no money left at the end of the month, you should start by taking a look at what expenses you can reduce/eliminate.

The word "Karma" according to Hindu and Buddhist relegions referes to the belief that all good and bad things that you do in this life affects how good or bad your future life will turnout to be.

Here are the 12 Laws Of KARMA and how they are applicable in our everyday lives.

1) The great law; " As you sow, so shall you reap", this is also known as the law of cause of and effect. Whatever you put out in the universe is what comes back to you. If you want happiness, peace, friendship and love. Then you need to be happy, peaceful, friendly and loving.

2)The law of creation; life does not just happen, it requires our participation as we are connected with the universe both inside and out. Whatever surrounds us gives a clue to our inner state. Be and do yourself. Do what you want to have in life.

3) The law of humanity: " what you refuse to accept will keep following you". If what we perceive is an enemy, or someone with a character trait that we find to be negative. Then we ourselves are not focused on a higher level of existence.

4)The law of growth: "wherever you go there you are". For us to grow in spirit it is "we" who need to change and not the people, places or things around us. When we change our thoughts and behaviour our lives changes too.

5) The law of responsibility; " whenever there is something wrong, we can find the errors within our thinking perception". We mirror what surrounds us, and what surrounds us mirrors our lives.

6) The law of connection; "even if something we do seem inconsequential it is very important that it gets done as everything in the universe is connected". Each step leads to the next step.

8) The law of giving and hospitality: "when we believe something to be true. Then something in your life will be called upon to demonstrate the truth. We put what we say we have learned into practice.

9) The law of here and now; "looking back to examine what was, prevents us from totally being in the here and now". Old thoughts, old pattern of behaviour, old dreams. Prevents us from having new ones.

10) The law of change: " history repeats itself until we learn lessons that we need to change our paths".

11) The law of patience and rewards: " all rewards require initial toil". Rewards of of lasting value requires patient and persistent toil.

12) The law of significant inspiration: " you get back from something whatever you've put into it" the value of something is a direct result of the energy and the intent that was put into it. Every personal contribution is also a contribution to the whole. Lacklustre contributions have no impact on the whole.