Guest blog by: Midge

Our financial plan is to set aside a portion of our income each month to prepare for emergencies. But, there are so many reasons that can arise to make me second guess our budget plan.  I now feel an obligation, albeit my confession, to share my little excuses with the Molly blog.

Here are my latest excuses:

*But, I need a new pair of shoes!

*Sarah would look so cute in that onesie…

*I deserve a lunch out with a friend once in awhile.

*My husband would enjoy take-out food tonight plus I am too tired to cook!

*We did a great job saving for the past two months, we could take a month off and splurge a little bit.

*Shall I go on….

I know that most of my excuses sound trivial.  A little money spent here, a little money spent there and then all of a sudden – Poof!  The money we are supposed to set aside for emergencies is gone.  Inevitably, what happens next is… the unexpected emergency!

Occasionally, my husband and I decide to spend some money on an expenditure that we feel is worth an extra stretch of our budget.  But, it is when I come up with one of my little excuses that we start to sink further away from our goal of becoming financially independent.  Mostly, I get discouraged when I choose a want over a need.

We have stuck to our “no credit cards” rule this year but sometimes I just get the urge to splurge.

Have you ever experienced the financial struggles of “saving” rather than “spending”?  What helps you to get through those moments when you have to stick to your financial goals during a temptation to spend?

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