A sad, unloved piggy bank
Why Your Excuses for Not Saving Money Are as Flimsy as a Paper Umbrella in a Hailstorm
We need to have a heart-to-heart—or maybe a wallet-to-wisdom talk—because some of y’all are out here treating excuses like they’re heirloom tomatoes: precious, fragile, and worth protecting at all costs.
“I can’t save money right now because… [insert today’s dramatic flair].” Sound familiar? You’re not alone. We’ve all been there—firing off reasons like a toddler with a Nerf gun and no adult supervision.
But here’s the thing: most of those reasons are about as sturdy as a paper umbrella in a hailstorm. They look cute for about three seconds, then come undone the moment life throws a little ice your way. And if you’re living a self-reliant lifestyle—or trying to get there—you cannot afford to keep patching your financial plan together with duct tape and denial.
So let’s lovingly, playfully, and with just a touch of sass… demolish those excuses. Because you? You’re not average. You’re not helpless. You’ve got grit in your gut, rice in your pantry, and probably at least two flashlights that still work. You’re built for better.
Let’s break down the usual suspects—the top excuses for not saving money—and why they just don’t apply to you anymore.
❌ Excuse #1: “I don’t make enough money to save.”
Truth Bomb: You don’t need to make “enough”—you need to keep some.
Let’s be real. If you’re making any money, then you can save some money. Even if it’s five bucks a week. That’s a burrito’s worth of beans in your pantry or a few matches closer to fire-starting glory.
The problem isn’t that you don’t make enough—it’s that you’re letting today’s wants bulldoze tomorrow’s needs. Saving isn’t about income; it’s about intention. Start small. Start scrappy. Just start.
❌ Excuse #2: “I’ll start saving when I’m out of debt.”
Truth Bomb: Waiting to save until you’re debt-free is like waiting to shower until your house is perfectly clean. Honey… it ain’t gonna happen.
Yes, pay off your debt. But also, if you don’t build even a tiny buffer, one hiccup—like your fridge going belly-up or a toddler putting a PB&J in the DVD player—can throw you deeper into the debt dungeon.
Saving while paying off debt is a balancing act, like tightrope walking in Crocs. Not always pretty, but it can be done. And YOU? You’re the kind of person who walks that rope with duct tape in your back pocket and a purpose in your heart.
❌ Excuse #3: “Everything is so expensive right now.”
Truth Bomb: Yes, inflation is high. But so is our ability to adapt.
Preparedness isn’t about pretending the economy isn’t rough—it’s about refusing to let that be a reason to stay stuck. If eggs are expensive, maybe now’s the time to buddy up to that neighbor with the clucking HOA violations and trade skills for yolks. Or start a side hustle. Or barter. Or bake. Or budget like a boss.
You’re not helpless. You’re scrappy, resourceful, and tenacious enough to make a loaf of banana bread out of stale hope and freezer burn.
❌ Excuse #4: “I don’t know where to start.”
Truth Bomb: “I don’t know” isn’t an excuse—it’s a starting line.
Start with one habit. One change. One mason jar labeled “Do Not Touch—Future Me Needs This.” Start by skipping the drive-thru once a week and tucking that cash in your sock drawer. If you’re reading this blog, you already want to change your future—so go ahead and start building that emergency fund like it’s your personal superhero cape.
❌ Excuse #5: “I want to enjoy life now.”
Save money now for life’s unexpected curveballs
Truth Bomb: You can enjoy life now and save—it’s called “being an adult with a plan.”
There’s a difference between joyful living and financial free-falling in a shopping cart of denial. You can live richly without spending recklessly. And let’s be honest: nothing ruins a good time faster than a surprise car repair and an empty bank account.
Enjoy life, yes. But enjoy it with margin. With wiggle room. With the deep, peaceful joy that comes from knowing you’ve got some savings socked away—right next to the duct tape and chocolate stash.
Introspection with a Side of Sass
You weren’t born to live paycheck to paycheck, flinching every time your phone dings with a bank alert. You’re here to build a life of peace, purpose, and pantry preparedness. And that starts with ditching the excuses and deciding that you are worth saving for.
Saving money isn’t about restriction—it’s about restoration. It’s about saying, “I love future me enough to give her options. And chocolate. But mostly, options.”
So go ahead—call your excuses out for what they are: fear in a fake mustache. You’ve got the grit, the gumption, and probably a drawer full of mismatched Tupperware. That means you’ve got everything you need to start saving today.
If this hit you square in the budget feels, share it with someone who needs a gentle shove and a wink. And remember: you don’t have to be rich to be ready. You just have to start with what you’ve got and trust that the lifestyle of joyful self-reliance is already knocking at your piggy bank’s door.
Now go save like the savvy squirrel you are. ️
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