Wednesday, October 31, 2012

Spending Excuses

Hello. My name is Holley. I am a shopper.

There are many reasons that I love shopping. It's exercise, it has a tangible end, it makes me feel accomplished, it's distracting. But one of the best aspects of shopping for me is that I'm good at it. I find gems that cost pennies.

That being said, looking at my bank account and revolving credit line makes me want to puke.

Here are the bogus excuses I use to justify unnecessary spending:

  • I don't own a car, so if I was a normal person this money would get spent on that.
  • I don't drink, and shopping is a better habit than drinking. Instead of spending money on booze, I spend money on cardigans. I can wear cardigans to work. 
  • My living expenses are low.
  • I owe it to myself to do something nice for me and have nice things.
  • I don't plan on having kids, so I don't need to plan for that expense.
  • I have a 401k plan and my job matches my Social Security benefits, so I don't need to save for retirement (right now). 
  • It's not like I'm ever going to get to retire - at this rate no one will.
  • Shopping is cheaper than therapy and at least I get something out of it.
These excuses are just excuses; I need to button down and stop frivolous spending. 

Someone hold me to that. JCP has some cute, bright sweaters - and I am weak.

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