Discussion | How to smash the 'broke' cycle

JOHANNESBURG - Ever asked yourself why you're always broke?

WATCH | Households under increasing financial pressure

Apparently it's not entirely because of how little you may think you earn.  

According to author, coach, and financial adviser Kim Potgieter, you should avoid taking on debt if you are aware that you will not be able to make the monthly payments. 

If you use a credit card, the amount you owe is constantly on your account.

 It is best to pay as soon as possible and avoid putting off making those selections.