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It Took Me 30+ Years to Learn to Live Within My Means (Here’s What Changed)

  • Writer: Katrina Julia
    Katrina Julia
  • 3 minutes ago
  • 3 min read

How I Finally Learned to Live Within My Means

After 30+ Years of Overspending


For years, I was the one behind the scenes.

📈 Helping others scale from 6 to 8 figures.

💸 Catching millions in fraud, waste, and abuse

🎓 Armed with an MBA, a CPA, and more certifications than I can count.

💸 Adding $10-$25 million a year to brands


But none of that mattered…Because I didn’t feel worthy. Not really.


So even when I earned more, I spent more.


Even when I knew better, I lived below my truth — not my means.



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The Hard Truth? I Was Leaking.

Even when I worked in Corporate, I realized after a year of having my first 6 figure role, I was overspending by 25%. I didn't respect money. Step by step, I learned how to manage money how I helped others treat it.


The ripple effects of my money mess have not been easy to say the least.


I was pouring money, time, and energy into:

  • 📱 $300/month phone bills (!!!)

  • 📦 $190 storage units

  • 🚍 $5,000+ in annual transit

  • 🏠 $2,000 month rent in Atlanta /month stays… while telling myself “this is just how it is”

  • 🚙 $10,000+ annually for a car payment per year at one point during my 8 cars before 30.


The stays were before I traveled full-time since 2020.


I helped everyone else build sustainable systems — but I had none of my own.



🔄 What Shifted?


I hit a multiple breaking points along the way. None of this was or is overnight.

It started with reducing expenses, living car less even in Atlanta, choosing to travel overseas because it was both cheaper and more adventurous.


And from my breaking points in 2025, I chose to build differently in countless ways.

I analyzed every habit and the energetic and dollar impact it both in creating wealth and

creating chaos in cash.


These are examples of money mess to message in the last month alone.

  • 📞 Phone: $300 → $100 monthly

  • 📦 Storage: $190 → $42 monthly

  • 🚍 Transit: $5,000 → <$200 average monthly

  • 🏠 Stays: $2,000 → $500 average monthly

  • 🚙 No car payment $300-$700+ monthly savings

  • I don't drink or eat sweets - $1,200+ monthly savings easily


Within Q4 of 2025

  • I filed a BBB Claim with AT+T + received $750 from AT+T + $516 from T-Mobile when I switched

  • I switched storage units in same Public Storage facility generating $150+ monthly savings

  • I slowed down my travel even more reducing flights, buses, and taxis/ubers.

  • I stayed places longer and moved less and/or got hosted stays


That’s $25,000+ in reclaimed annual cash flow — and freedom I never felt when I was “earning more but bleeding silently.”




🧠 It Isn't Soley About the Money

The shift wasn’t just financial. It was emotional.I finally stopped:

  • Using money to soothe shame

  • Creating chaos to feel control

  • Spending to prove worth

  • Defaulting to debt to feel “safe”


I stopped leaking — and I started leading.



🌈 The Energy Now?

“I no longer pay to prove I’m worthy. I receive because I am.I create because it’s divine.I attract because I’m aligned .I earn because I own it.”


Learn to Live in My Means

Whether you’ve built overnight success or labored for decades, the truth remains: wealth isn’t measured by income alone—it’s measured by alignment, peace, and integrity.


I helped brands and creators generate millions, held credentials that symbolized success, yet I still found myself broke in self‑worth, not dollars. The turning point didn’t come with a raise, permission, or a trophy—it came when I finally lived in my means.


I stopped paying to prove I was worthy and started receiving because I knew I already was. Now, every dollar I save, every choice I make, and every layer I shed is a declaration: I lead with freedom, and I live in overflow—not because I’m chasing more, but because I’m honoring what I already have.


Your abundance era begins with this same alignment.



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Created by Katrina Julia

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