I don’t know about you, but I am one of those people that is consistently late to work. I blame it on the early mornings, I blame it on my dog, my car, my roommate blocked my car, my alarm didn’t go off, I couldn’t figure out what to wear, I had to stop at the store… you name the excuse and I’ve probably used it. (I know, this is a great broadcast for my career, right?) Anyways, as I was running late again this morning, (this time it was too much Tequila at our goodbye round of Margarita Thursdays) it got me thinking about all the things we have excuses for. Not doing our homework, not studying, not keeping in touch with old friends, not looking for a new job, being late to work or… yep, you guessed it! Not saving!

We all know we should do it. It’s smart to save. It’s logical. All the boring kids are doing it. But hey, if you’re just not ready to jump on that boring kid bandwagon yet, let me help you out and provide you with a list of Top Ten Fabulous & Financially Savvy Excuses for not Saving. This way, you can keep convincing yourself all the way into a black hole of debt.. (a little extreme, I know – but you get the point).

1.  I make too much to worry about saving.

Riggghhtttt…. If that’s the case, start sharing the wealth with us little people at the bottom of the food chain.

2. I’m young, I need to enjoy life.

I too used to be young and naive, but now at the ripe old age of 25 I’ve matured and have learned how to save and (gasp!) have fun!

3. I’m scared of money. It’s complicated.

Well I’m scared of the dark (don’t judge!), but it doesn’t keep me from going to sleep at night. Time to be a grown up and face your fears!

4. My friends don’t save.

That’s cool. My friends all jumped off a cliff once while we were in Greece. I followed while my best friend stayed back. I ended up with bruises all over my legs (lack of good form obviously), while my best friend got to point and laugh at us. Get the moral of the story?

5. I’m going to win the lottery.

Do I really need to address the likelihood of that happening?

6. My boyfriend / girlfriend / mom / dad / aunt / best friend / roommate / dog / goldfish are in charge of my finances.

Seriously? Now would be the time to reflect on the situation and decide if you’re ready to take control of your own life… Fluffy the goldfish might not make the best accountant.

7. I have so much debt!

Alright, so let’s start working on how to get that debt paid off! There is no better time than now.

8. I don’t make enough money to save.

Start small. $20 – $40 a paycheck even. Anything will suffice. Just getting a savings account open and seeing there’s something in there is motivating! (Yes, I’m aware I sound like a broken record).

9. I’ll just work forever.

Yuck – not my idea of a happy ending.

10. But I really need this…

Story of my life with this one. Try and curb the impulse spending. Take a day to reflect on the purchase and decide if it’s something you really need. You’ll save yourself a lot of guilt on spur of the moment spending if you do.

The above are just a small sample of all of the excuses out there for slacking on your finances. I’m sure we all have our individual reasons, and I’d love to hear some of yours! Like I’ve said before though, there is no better time than now to take a proactive role in your fabulous financial life. Do some research, get yourself organized and check out some of the other posts on my blog for how to set up a budget, manage your credit cards, saving and more!