About

BrokeMeNot is a personal finance blog dedicated to helping everyday people take control of their money through practical credit card guidance, frugal living strategies, budgeting systems, and smart income-building approaches.

Who’s Behind BrokeMeNot?

Toyin Onagoruwa — Founding Editor

I’m a software engineer working in banking and fintech by day, and a personal finance writer with over 5 years of experience by night. I understand money from both sides — I build the systems that power financial products, and I help real people make smarter decisions with their money.

BrokeMeNot started because I saw the same problem from two angles: the financial industry makes products that are designed to be confusing, and most personal finance advice is either too generic or too complicated to follow. I wanted to create a resource that bridges that gap — clear, actionable financial guidance written by someone who understands both how the systems work and how normal people experience them.

Everything on this site comes from a combination of professional knowledge, personal experience, and thorough research. When I write about building credit from scratch, it’s because I’ve done it. When I explain how budgeting on an irregular income works, it’s because I’ve lived with variable income. When I break down how credit card rewards actually work, it’s with the perspective of someone who understands the backend systems that process those transactions.

My Background

• Software Engineer in banking and fintech — building the systems behind financial products
• 5+ years writing about personal finance, credit cards, frugal living, and money management
• Self-taught finance practitioner — managing personal finances, building credit, and investing through real-world experience
• Featured on LinkedIn

What BrokeMeNot Covers

BrokeMeNot focuses on five core areas:

• Credit Cards — How they work, how to use them wisely, and how to avoid the traps
• Frugal Living — Practical ways to spend less without feeling deprived
• Budgeting & Saving — Systems that actually work for real people with real lives
• Financial Literacy — The money concepts school never taught you
• Making Money — Legitimate ways to earn more from side hustles, freelancing, and smart strategies

Our Editorial Approach

BrokeMeNot uses AI-assisted research and drafting to help produce comprehensive content efficiently. Every article is reviewed, edited, and enriched with personal experience, original insights, and verified data by Toyin Onagoruwa. We cite official sources (CFPB, IRS, Federal Reserve, Bureau of Labor Statistics) and link to authoritative references in every article.

We believe in transparency: our goal is to provide trustworthy financial guidance, not to generate generic content. If we recommend something, it’s because we’ve evaluated it — not because someone paid us to say it.

Affiliate Disclosure

Some articles on BrokeMeNot may contain affiliate links. This means we may earn a small commission if you sign up for a product or service through our links, at no extra cost to you. This helps support the site and allows us to continue creating free financial content.

Affiliate relationships never influence our editorial recommendations. We only recommend products and services we believe provide genuine value.

Connect With Me

• LinkedIn: linkedin.com/in/toyin-onagoruwa/
• Email: contact@brokemenot.com
• Contact Page: brokemenot.com/contact