13 Lies You Believe Until You Examine Your Finances

    Budgeting is for the brave.

    1. Lie: You drink a moderate, reasonable amount.

    2. Lie: You only take cabs when absolutely necessary. Maybe once or twice a month?

    3. Lie: Once the grace period passes it won't even be an issue — of course you'll be able to afford your student loan payments!

    4. Lie: But once you start making payments, at least you'll be making a real dent in those loans.

    5. Lie: If you order the cheapest items off the menu, it's totally fine to get delivery.

    6. Lie: You'll remember to cancel that subscription before your free trial ends.

    7. Lie: You'll only use an out-of-bank ATM in case of emergency.

    8. Lie: You indulge every now and then, but for the most part you maintain a healthy diet.

    9. Lie: You've got plenty of time to start saving for retirement.

    10. Lie: This is the month you're going to sign up for a gym membership.

    11. Lie: It can't be that much worse getting Starbucks every day instead of brewing coffee yourself.

    12. Lie: You can't even remember the last time you splurged on new shoes/clothes/gadgets.

    13. Lie: You're a grown-up now!