Most times, you do not have any money on you, to even settle the smallest bill. It dawns on you that you are broke. It always pains when you realise this happens to you. Now, it is up to to avoid this negative trend in your living. Apply this rules and you won't go broke again:

1.     Learn to live below your means.

Spending above what you earn will only leave a trail of debt behind you. If you’re spending beyond your means because you need to keep up with your friends or show others that you can afford a certain lifestyle, you’re not doing yourself any good. Stop worrying about what others can afford and think about how you can live within your means. Put your credit or debit card away. They make it easy to spend money you don’t need to spend. More at
https://econofrica.com.ng/2020/08/05/you-will-never-go-broke-if-you-apply-these-rules-properly/