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I have heard the excuses a thousand times.  If I could just make more money, I could afford to save money.  If I made more money, I could tithe.  Ha-ha.  If I could just make more money, I wouldn’t have these problems.  The little man just can’t get ahead.  Things are just so expensive.  It is sooo expensive to live these days.  Guys, seriously!!  Making more money isn’t the solution to your money problems.

Making more money isn't the answer to your financial problems

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I promise you!!  If you have problems now when you make a “little bit” of money, why would you be exempt from money problems when you make “more” money?

Let that sink in a little bit.

Here are 8 reasons you let your money control you instead of you controlling your money:

  1. Lack of discipline

You don’t have any discipline (AKA you don’t have a budget).  You are like a grown kid.  You want something, and you buy it.  Whether you have the money or not.

You can’t take it with you, ha-ha so why not spend it when you have it.

What a stupid and ignorant thing to say!

I mean, you need a budget.  End of story.  If you aren’t on a budget, then your money is controlling you!

Put on your big girl panties and rip of the band-aid and start one today!!

  1. You are scared to look at your finances

Yep, you are scared. You think if you ignore your money problems they will just go away.

If you just don’t open your online banking app you will be okay.  You keep getting bills in the mail and you may or may not open them.

You don’t answer the phone because you think it is ANOTHER bill collector.  Why do medical expenses have to be sooo expensive?  Why???

You know you owe money on a credit card and student loans, but you wouldn’t know the outstanding balance to save your life.

WOW!!  Ignoring your problems will NOT make them go away.  I know, I have tried many times!

  1. Keeping up with the Joneses

You keep trying to keep up with the Joneses.  Let me let you in on a little secret………the Joneses are broke!!!

Stop, just stop!  In the words of Dave Ramsey, stop buying things you can’t afford with money you don’t have to impress people you don’t like.

Just stop!

I used to work at the bank and you would be surprised how many people are overdrawn when they used to come up to my teller window.

The lady with a price sticker still on her brand new Cadillac.  The woman with not one, but two Mercedes.  The man with the big jacked up $50k + truck.  The lady in the car that barely made it to the window before her car gave out.

It is time to wake up and quit ignoring your finances.   Get on a budget right away.

Just rip off the band-aid and dive in.

  1. Bad communication

Do you communicate with your spouse about money?  Do ya’ll know how much you spend each month?  Do you know how much your income is per month?

Do you swipe your debit card and “forget” to give the receipt to your husband to balance the checkbook?  Or vice versa?

Do you sneak your online shopping purchase from your husband?  Does he sneak his Bass Pro Shop receipts from you?

Do you have a secret money stash?  Do you have a secret credit card?

You have to communicate today!    

  1. Fear of being restricted after starting your budget

A lot of people don’t want to start a budget because they are going to be “too restricted” after starting the budget.

Give me a break!!  You aren’t doing too hot right, now are you?

You need to change.  You can’t expect different results by doing the same thing over and over again.

Albert Einstein defined insanity as “doing the same thing over and over again expecting different results”.

A budget actually gives you permission to spend.  You can go up to the drive-thru window or buy Christmas gifts without a pit in the bottom of your stomach.

Because you can actually AFFORD what you are purchasing.

Your purchases don’t haunt you for months to come on your Visa bill.

How exhilarating and freeing would that be?

  1. Immaturity

Some people don’t budget because they are immature.  They think they deserve everything.  They don’t want to save up and pay cash.

They work hard, and they DESERVE the new truck that is more than their mortgage payment.  They DESERVE that expensive makeup because they work hard.

  1. Your budget is too strict

When you have started a budget in the past, you were too strict.  You didn’t give yourself any spending money.

You budgeted way to less for groceries.  You didn’t take into account how much money you spent on gas each week.

It will take about three months of being on a budget and doing some tweaking to get it right.  You won’t always get it right.

That’s why you have a new budget for each month and you tweak things as you go along.

  1. When you get derailed you quit

When you have a bad day and spend too much at the grocery store or online, it stops you in your tracks.

You think you can’t budget because you went over your budget that day.  You had a big day of emotional shopping.

You can’t budget, because you messed up one time.  Instead of starting anew, you just give up.

Don’t let these things stop you from getting on top of your money problems.  You need a budget today.  Don’t delay.

You need to quit making excuses and get on a budget now.  You can’t afford not to.  I mean think about it.  Do you want your children going through this when they get older?

You need to learn how to get a handle on your money so you can teach your children to do better.  You need to teach them good money habits.

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