Money & A Service Heart


Money & A Service Heart. Blink 3 times if you are kinda mad about how long it took you to learn to stop running yourself ragged.

My guess is if you’re still here, you blinked and feel seen. I mean, who among us hasn’t over extended themselves in the name of pushing the community forward?

Whether you blinked because you’re going through your natural functions to keep your eyes lubricated and protected or if you blinked because this post is calling you out! You are ready to learn how a heart for service can impact your money and what to do about it.  

You are tired of spending your last dime on things that matter to you people that matter to you. And you’re really just starting to become resentful. And you want to break away from that. Here’s a podcast episode on this topic – listen here on spotify or watch on YouTube


This post is for anyone who is ready to learn how to give, and to do so without going broke. It’s also for friends and family of people overextend themselves to give. You’re tired of seeing the people you love who have a servant’s heart, complain about the work they love to do. And so you’re reading because you want tips to help them. So if either of those, are you, you are in the right place.

Service burnout is real, the struggle is real. (read this article on Refinery29 on how to prevent service burnout) We are starting to see that. In the service industries, people aren’t lasting as long as specifically with teachers. They’re not even making it to year five. And I think part of that is because they give and give and give and don’t really have much left. And then folks who coach or  volunteer,  they’re starting to get spread thin because the work is not spread out evenly. 

This is a great place to start to mend those relationships. To start to pour back into the people who’ve been selflessly serving our communities. And really just help them, or help you, help us take better care of ourselves.  This way we can take better care of our communities.

The best way to serve is to take care of yourself financially, specifically, so that you can help others. (read: 5 ways to get your debt under control)

But we just have a hard time, you know, guiding our heart to meet our finances. That is the idea of this post. To help those of us who want to give and want to serve, do so in a way where that we don’t go broke. 

The ultimate goal would be to get to a place where you’re able to transition from having a servant’s heart that always spends everything they have to being a resource for your community. This put you in a position where you’re able to give freely, and not feel like it has been such a burden.

I’m going to go over 3 pros of having a service heart, 3 cons of having a service heart and 3 ways to save yourself from going broke while serving your community. 

Please note that there are affiliate links within this post which means I receive a small commission if you choose to purchase using my link at no extra cost to you.


It’s something that I made up to explain why I was okay with being broke even though I knew better. Kidding. A service heart is one in which your natural inclination is to provide resource or assistance to communities in need. If you find yourself constantly serving or volunteering in the community and you feel amazing after doing it, it’s likely that you have a service heart.

The key to having a service heart is to be genuine and honest. Your giving comes from a place that doesn’t expect anything in return.


  1. Service is something that you can do, no matter how much money you have. A lot. a little. It doesn’t matter.  Anybody can serve. And so that’s a cool thing to be able to do. It doesn’t matter where you are financially, you could be a billionaire, and serve or you can be flat broke, and still have an opportunity to give back to your community. Having a heart to do that is definitely one of the pros.
  2.  It is an easy attitude adjuster. When you are not in the best mood, it is easy to fill your heart. You can quickly turn that mood around by volunteering,  just for an hour, and seeing the impact you make in somebody else’s life. 
  3.  I believe it just makes you a nicer and kinder person. Because it’s, there’s something about giving that it’s there, it’s really hard to explain, you know? There’s a passion that many other things just can’t fulfill. The more we give freely, the gentler we become and that removes so much friction from life.

Now we’ve talked about the good, the bubbly, the nice fun stuff.


There are also some cons- some negative things that come with having a servant’s heart.

  1. Not knowing how to say no. Right? So has anybody ever been in a situation where you know that your schedule is already stretched thin, right? You don’t get off work till five. And then you’re already coaching, already volunteering. And then a friend comes up, oh, I got this massive project I need help with and of course you say yes. But you don’t have time to do it. And so sometimes we want to be there and we want to help everybody but we don’t know how to say no. 
  2. Sometimes you are willing to give every dime you have to see something happen. And so that giving nature, that giving spirit is amazing, but is not good when you are trying to secure your own bag financially. So you might want to, you know, save the world and give the last shirt off your back. But if you keep doing that, where are you going to be when it comes time to retire? 
  3. Always assuming the best in people even when there are massive red flags. Sometimes, you’re not very keen on understanding other people’s motives, it can be easy to manipulate you. This is the one that I want a lot of us who are listening to think about, just make sure that you check people’s energy when they are asking you to do things. Don’t allow people to use you, because they know you will do for the greater good. 

Now, the last thing I want to talk about is ways to not resent the community that you’re serving.


This is something that I had to deal with personally. When I came home the job I was working in financial services, I immediately wanted to take all the information I learned and pour back into my community. And how I started to do it was out of my own pocket. (Blink if this resonates ith you)

I was paying for the facility to host the classes. I wasn’t getting paid to teach any of the sessions. I was providing food and drinks, and you know, all of these things cost money.  I had hosted a eight week, or I can’t remember 8 or 12 week boot camp. This was multiple sessions, you know, that I was paying for. It hurt me that people were not showing up for free financial literacy. It just, it wasn’t sexy, it wasn’t attractive. I started to get resentful that I had invested so much time and energy and bringing this knowledge back. The truth is, had I not been so financially invested, I think I would have been less resentful and less upset. It wouldn’t have set me back as much financially, even though I was trying to help lift somebody else up.


Some ways to alleviate the financial burden off yourself, when you are trying to pour into your community require you to ASK FOR HELP

  1. The first thing you need to do is to find sponsorships. —  donations, in kind, donations, anything that will help take the financial burden off of yourself and spread it out amongst other people in the community that want to see the same result that you want to see. And so recently, I was a part of an event in the downtown community and I was able to leverage sponsorships to help, you know, separate that cost. So I didn’t have to incur it all myself. And you know, it felt so much better to not be forking out 1000s of dollars, but to really see the community come in and support and that’s the thing I think we don’t realize is that, you know, there are people that want to see your your passions, your visions come alive, but we don’t ask, right, you don’t have to do everything yourself. You don’t have to be superwoman you don’t have to be Superman. We just need to find people that believe that have the financial resources to help us out. So we don’t have to carry that burden. 
  2. The second way is to ask for volunteer helpthe bodies, get people in place, leverage your networks and get them to assist you as well. So then, not only do you have financial support, you have other people to help do the labor to help do the work, who then in turn, you can teach how to find the sponsorships how to get the in kind donations so that they can multiply your efforts. Okay? This will help you not feel like you have to do everything yourself. And so, for me, this was a major. Because you know, that burnout is real, that you only have 24 hours, but if you have somebody else doing, what you’re doing your hours multiply, and so it helps get so much more done.
  3. The last thing, and this is probably the thing you don’t want to hear, but you need to take breaks, there has to be periods of time where you step away. You go recharge. I’ve had a lot of people telling me,  you can’t pour from an empty cup, you can’t pour from an empty cup.  We want to give, we want to give, we want to give. If you’re not taking that time to charge back up, to get filled back up and remember why you started in the first place. You won’t be as effective, the energy won’t be as high, right? That impact won’t be there, you won’t see the same results. So you have to take breaks so that you could step back and see the bigger picture. Why are you even doing this in the first place? Fight with your wallet while you rest. Read this article on giving money to racial justice causes.


If you are part of a service group with ten or more members and would like a free hour of financial literacy education, you can schedule time here! Thank you for uplifting our communities! 

Ready to work with a financial planner who gets it? Are you ready to have financial peace and clarity that allows you to give without regret? See if Tremaine is the advisor for you. Book a Money Audit here. 

If you enjoyed this blog post, share with a friend!  



1 thought on “Money & A Service Heart”

  1. This blog was everything!! It is very informative. It resonated with me a lot, from the aspect of being a giver yet not burdening myself to help others. Then the self care dynamic in managing expectations when setting goals or following your purpose! Definitely a great read!

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