"I deserve it."

These three words have gotten me into so much trouble. I am about 100 lbs overweight, and I previously had $40K in cc debt. Both problems are due to a lack of discipline on my part.

With my finances, I could be LBMM most of the time, and then really blow it on a huge purchase because I deserved it. Other times I would be good with the really big purchases, but splurge on small things because I deserved it.

Food is the same way for me. I have too often bought fast food because I've had a rough day and I deserved it. I have eated garbage for too long, because it tastes good and I deserve it.

Finally, I've decided I deserve to be financially stable. My husband deserves to retire before he's too old to enjoy it. My son deserves to go to college. I don't want to spend my money on the silly stuff that marketing people think will make me happy. Because in that shift of attitude, my cc debt is gone and my savings are increasing. I am now trying to have the same view toward diet and exercise. I don't deserve fast food; I deserve to be healthy.

It's not that I will sacrifice living to accumulate wealth. I will not give up all junk food. I believe an occasional indulgence is a good thing. I just need to find a balance.

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