382: How I Stay Disciplined With Money (Without Being Perfect or Deprived!)

The Clever Girls Know Podcast

Bola Sokunbi

Education, Business, Entrepreneurship, Self-improvement, How To

4.8 • 898 Ratings

🗓️ 19 August 2025

⏱️ ? minutes

🔗️ Recording | iTunes | RSS

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Summary

Struggling to stay consistent with your money? You’re not alone—and you don’t need to be perfect to build wealth.

I’m sharing the real self-discipline tips that help me stay on track with my finances—without guilt, burnout, or unrealistic expectations. These habits have helped me grow my savings, stay focused, and still enjoy my life. If you’re ready to finally follow through on your money goals, this video is your starting point.

Here’s what you’ll learn on this episode:

The importance of knowing your why and how it fuels financial consistency
Why automation is the ultimate self-discipline tool
How to set realistic spending rules that actually work for your lifestyle
The power of tracking your progress weekly to stay motivated
How to build a budget that’s honest—not aspirational
Easy ways to remove temptation before it derails your goals
Why routines—not willpower—create lasting financial change

💡 This isn’t about being strict or saying no to fun—it’s about creating systems and habits that help you protect your money and your peace. ✨

ACTION STEP: Pick one self-discipline strategy from this video and start applying it today. Small, consistent actions are what create real results over time.

📚 Ready to take the next step? Check out the Clever Girl Finance My Wealth Plan Workbook to map out your personalized strategy: https://clevergirlfinance.com/books

❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: instagram.com/clevergirlfinance

Transcript

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0:00.0	Hello everyone and welcome to the Clever Girls No podcast. This is Bola Shokombi. I'm the founder and CEO of
0:08.8	Clever Girl Finance. The Clever Girls No podcast is a podcast for women offering a space for conversations
0:14.9	around personal finance, business, life, and living. I'd love for you to subscribe to this podcast,
0:21.3	and you can do that everywhere you listen to your podcast episodes.
0:24.6	And if you love what you're listening to,
0:26.7	be sure to leave a review so that other amazing women just like you can find this podcast too.
0:31.8	Also, don't forget to stop by Clevergirlfinance.com forward slash subscribe
0:36.4	and sign up for our weekly newsletter.
0:39.4	It's a great way to get motivation and accountability sent straight to your inbox as you work
0:44.0	on achieving your financial goals. We also have over 30 plus completely free courses to help you
0:49.8	on your financial journey. And if you haven't already, check out our YouTube channel. Just search
0:55.3	Clever Girl Finance on YouTube. You can also find us on Instagram at Clever Girl Finance.
1:00.9	Okay, let's get into today's episode. So let's be real. You do not need another perfect budget
1:09.0	templates or money hack to help you achieve your financial goals.
1:13.6	What we really need and what is actually effective is self-discipline.
1:18.6	Discipline is the quiet, unglomerous foundation to every smart money move and to building long-term wealth.
1:26.6	It's what's going to keep you on track even
1:28.6	after the motivation fades. And so today I'm sharing some key self-discipline tips that have
1:33.7	helped me and continue to help me without me being perfect as I work on, you know, my finances
1:40.4	and building long-term wealth. So in today's video, I'm sharing practical, realistic,
1:45.5	self-discipline tips that I use that will help you stay on top of achieving your financial
1:51.2	goals and building long-term wealth. And spoiler alert, this is not about being rigid, this is
	...

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