This is Optimal Finance Daily. Stop using these six ridiculous excuses for not saving money.

By Michelle Schroeder Gardner of Making Senseof Sense.com.

The other day, I was reading a personal finance article on a major website.

I enjoyed the article, but I made the mistake of scrolling down to the comments to see what people

had to say. After blogging about personal finance for almost four years, I wasn't very shocked.

90% of the comments were very negative. People were saying that anyone who saves money must hate

their life. They must lead a boring life, and so on. This is also sad to

read, as many people don't save anywhere near the amount they should be saving. 68% live paycheck

to paycheck. 26% have no emergency savings. The median amount saved for retirement is less than 60 grand. The average household has

$7,283 in credit card debt, and the average student loan debt is $32,264. Due to these crazy money

statistics, I believe that more people should think positively

about saving money. Saving money can help you stop living paycheck to paycheck. It can help you pay

off your debt. It can help you prepare for retirement, and so on. The first step to saving more

money is to figure out why you're unable to save money. For many

people, it's because they often tell themselves excuses for why saving money isn't something they can

or even need to do. If you do this, I want you to realize that you can change your ways and that it's

possible to save money. I used to always give myself excuses as well,

but then I realized that I was just lying to myself. Here are six common excuses people give

for not saving money. Number one, I'll hate my life if I start saving money. There's a myth out

there that only very sad and boring people save money. I've heard

it over and over again. Wow, that person must lead a very boring life if they save that much money.

I can't save money because that means I'll just be eating ramen and sitting on my couch all day long.

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