Angry Spurned: If You Can’t Save Money, Blame Yourself First

When saving money alludes you, it’s easy to play the blame game.

Remember, you aren’t doing well financially, but that can’t fall back on you, right.

It never does.

But, in actuality, the first place you need to start looking if you aren’t able to save is squarely in the mirror. And as cliche as that sounds, when it comes to money, that’s the first, last and only place you need to look.

OK, sure you might not have the ideal job and subsequently the strongest of incomes, and that could be a small reason that money is a concern, but certainly not the fault as to why you can’t save. The issue isn’t the income but rather living within your means and budgeting accordingly.

If someone only makes $500 per month, then that’s what they have to work with and doesn’t give them free range to spend $1,000 per month. That tends to be the trajectory, however, and why you are in debt: you can’t resign yourself to the fact that you are only making a certain amount, plain and simple.

A lot of that comes from wanting to be able to do and buy the things you’re friends and family might be enjoying. Rather than watch them with a new car or a better television, new clothes and shoes and accessories to match, you want to revel in those things as well, so you “find ways” to buy them, and that leads to overspending and thus falling into debt or having bills that need to be paid being left alone.

Another reason you can’t get out of your own way, other than not budgeting and trying to keep up with what your friends have, is your spending habits that have nothing to do with coveting the goods and purchase of other but just selfish and foolish spending that is costing you hundreds and thousands of dollars.

You should always consider not only asking yourself if you can afford to spend that way, but also the coveted 24-hour rule. If you want to buy something, wait a full day and see if that want and need is still there; often walking past a store window or standing in front of something translates into easily being able to pick it up and buy it (perhaps too easily) whereas if you go home, start to think about your financial standing, you’ll revisit and rethink if that’s really the road you want to take financially.

This isn’t about feeling bad or wallowing in a financial situation that isn’t ideal but rather coming to terms with where you are and spending accordingly so that saving isn’t such a reach.

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