How to Stop Spending Money

Excuse #2: But I've Been Working So Hard, I Deserve It

We all work hard (unless you're born wealthy or won the lottery, in which case, um, good for you). Donna Summer put it best when she said, "She works hard for the money." That's right. We all work hard. It's not that you shouldn't use your hard-earned money to enjoy life—you should. It's just that "working hard" shouldn't be an excuse to spend. After all, it's not like your income automatically expands proportionally to how difficult work has been lately. Your budget trumps how you feel about your work stress. (But if it consistently doesn't add up, look for a job where you'll be compensated better.)