I am unwilling to budget my money
Steve Pavlina has a great post on his blog about feeble exuses. He recommends taking excuses and exposing the truth behind them.
The truth behind “I don’t know how” is “I’m unwilling to learn.” In other words, you have to admit that you’re lazy.
I really like this outlook and it can easily be applied to budgeting. If you are reading this blog, it is likely that you want to setup a budget. You may have been unsuccessful in the past and used excuses like I have, “I can’t make a budget work”.
Instead of using these excuses, rewire them. Next time you are procrastinating, don’t succumb to your own bullshit. Let yourself know “I am unwilling to budget my money.” Either accept it and don’t budget, or confront it and get to work on controlling your finances.
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February 23rd, 2006 at 11:13 am
I was reading in a psychology book recently, and the author stated that when someone doesn’t do something they should, it always comes down to one or both of these reasons:
1. Lack of Skill. (In other words, they don’t know how.)
2. Lack of Motivation. (Why should I do that?)
StackBack’s Budget system provides for #1. For me, not wanting to lose my house, having to borrow money from one of those scam “Payday Loan” places–is my motivation (#2).
February 23rd, 2006 at 2:09 pm
Good point, I love it.