Excuses, Excuses, Excuses

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martinis and your money

Stop Making Excuses

Today is the last Friday of the month and in case you are new to this blog or my podcast, on the last Friday of the month, I host a happy hour on my podcast where the happy hour ladies and I talk about various money topics while drinking cheap drinks! Today, we are talking about a topic that Tonya suggested – excuses we make as to why we aren’t making financial changes in our lives. I thought it was a great idea because I see this quite a bit in the Financial Gym. To skip our rambling in the beginning of this episode, fast forward to about 10 minutes in. Otherwise, enjoy my rambling group of fantastic friends! Cheers!

Don’t forget that we are also in the middle of a big campaign at the Financial Gym, and I hope you’ll help me and the Financial Gym team achieve our big goal of 165 new clients in two months. We have a month to go on this campaign and we’ve had over 75 new clients sign up. Many have been listeners of this show, and I just have to tell you how much I appreciate that and you! Any of my trainers or team who speaks with or works with listeners of this show always say amazing things about you, and I say I’m not surprised because I’ve known you’re amazing people for over 2 years now. Thank you for the support so far!

If you want to get started on your own financial fitness journey or send friends, you can go to financialgym.com/friends – the listener who refers the most new clients in the next 2 months will get three months of free financial training with me!

What are we drinking?

Melanie from Dear Debt — a Mezcal Negroni

Tonya from Budget and the Beach — Cabernet

Mrs. Frugalwoods from Frugalwoods.com — Bota Box Malbec

Shannon — Vodka & Black Cherry Schweppes also known as Vodka Foo Foo

Podcast Notes

  • Tonya suggested this topic because she has recently noticed a pattern of others justifying their excessive spending.
  • She says people justify their spending to make themselves feel less guilty.
  • Shannon says some of the worst excuses she sees are when people blame their spending on their children.
  • Tonya admits she justifies the cost of her gym membership.
  • The ladies discuss how many people trust seminars and the advice they receive which often lead to terrible financial mistakes.
  • If you want to save more and spend less, you have to work for it!
  • Do the work and you’ll get results.
  • Melanie recognizes that she often saves money in one area and then justifies spending the amount she saves on something else.
  • Frugalwoods says she often fails to plan ahead – especially for dinner – and justifies it to get take out.
  • She suggests eating the same things over and over again to make meal planning easy and stress-free.
  • The ladies all agree dinner does not have to be a 5-star meal every night.
  • You work hard for your money, so you should make it hard for you to spend it!
  • When traveling, pack snacks so you don’t have to spend money on airport food.
  • Tonya says another big excuse she hears is people saying they want to live their life and don’t want to miss out because of money.
  • The only person hurt by justifying your spending is you!
  • TAKEAWAY: We can all make excuses and justifications for why we’re not making change, but it’s not until you stop telling yourself those stories that you’ll truly be open to achieving the financial success that you’re meant to achieve!

What excuses to do you continue to make for your money situation?

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Shannon is a financial planner who left a “traditional” financial services firm to start her own company, The Financial Gym, because she felt traditional financial services firms did not have the tools or resources to help people in their 20s and 30s who are starting out and trying to build assets while also managing debt. She realized that the key to long-term personal financial success is a commitment to financial fitness and making smart financial choices. Through her blog, Financially Blonde, her book, Train Your Way To Financial Fitness, her podcast, Martinis and Your Money and The Financial Gym, Shannon is committed to making financial fitness fun, easy and accessible for everyone.

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