Have you ever gone out to eat and then a couple of hours later regretted spending the money? I’ve been there many times.?What usually follows is more bad spending decisions because of the guilt.
Why does the guilt of one bad decision cause us to make another bad decision? Do we feel that we have lost? Do we feel like we can never win with our money? Maybe it is just me that used to do this, but thankfully I am over it now.
The bottom line is we have to quit focusing on our previous mistakes,?and concentrate on what we can change. Quit with the bad spending habits today, regardless of what you did for lunch. Focus on the future, and change your family tree!
You are(were) not the only one, me and my finacee have this problem, if we go over budget, we dont just stop, we end up doing it again, I guess it is like a diet, you fall off the wagon and you cant get back on- we usually end up giving up on the budget and starting over next pay day.
But after spending the last few hours reading this, we are both inspired to stop that behavior!
We have been working on the excell sheet you have available, and are goig to try to save up to get the book by Dave soon. Thanks for all the dedication and hard work you have been doing.
Comment by Eve — October 10, 2006 @ 6:28 pm