Have you ever met someone who likes to play financial mental games?
It's amazing observing the way they justify or rationalize their spending habits, their lack of a budget, etc.
It hurts them but they may not realize how much -- and they may make excuses.
Granted, having a spending plan and sticking to it can be hard, especially when emergencies come up or if you are just a free-wheeling type of person.
Maybe you don't want to be pinned down in your spending.
So, let me briefly describe a family who decided not to live according to a budget for a whole year:
Don't play financial mental games with yourself.
If this article describes you, you can change.
We wish you well.
Note: This article -- which was originally written and published on January 16, 2014, by Vicki Simons -- was updated slightly in 2018.