If you find yourself thinking any of the following, it’s time to give your money attitude a shakeup!

  1. Everyone else has it. I deserve it, too.
  2. There’s no point of saving money when I can only put away a tiny bit.
  3. When I don’t have enough money in my checking account to cover a purchase, I swipe a credit card.
  4. Budgets are so restrictive!
  5. My financial situation is sure to improve soon, so it’s OK to borrow or charge more than I can afford to repay.
  6. I’ve already spent more than I budgeted for this month, so it’s no big deal if I spend another few hundred dollars.
  7. I saved $10 at the grocery today so I deserve this takeout dinner.
  8. Why would I put away money for a rainy day when I can enjoy it now?