10 Legitimate Reasons Not to Get Your Finances in Order


When it comes to putting in the time and effort to get personal finances in order, I have heard a lot of supposedly good reasons why people haven’t started. There is no doubt that there are a lot of sacrifices that need to be made and it’s not an easy process for many. That being said, here are the top 10 legitimate reasons I’ve heard for not getting one’s finances in order:


The truth is that if you think you have a legitimate reason for working on getting your finances in better shape, your “legitimate reason” is likely nothing more than an excuse. While that excuse may make you feel better not taking the needed steps, in the end it’s nothing more than an excuse. Nobody said it was going to be easy, but that doesn’t mean is shouldn’t be done. If you haven’t started, today is the day to begin.

On a side note, if you came to this post due to the title with the hope of finding a legitimate reason not to get your finances in order, it’s a pretty telling sign that you know that you really should be…

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3 Responses to 10 Legitimate Reasons Not to Get Your Finances in Order

  1. Terry says:

    I’m not quite sure what you mean by “getting personal finances in order” but it’s safe to say that mine are not in order and I think I have a pretty good reason.

    Ten years ago I abruptly landed in hospital for extended visit, and then I was unable to work for another year after that. The loss of income left me unable to make debt payments, which led to all open accounts. Two creditors sued me and won judgments, plus student loans defaulted.

    Because I was unable to pay rent, I relocated to stay with family until I could work again. Then I got a dead-end minimum wage job.

    Since then I have paid current bills timely but have not been
    able to resolve the old debt issue. My student loan payment leaves me living below the poverty line.

    The old debts get sold and resold by debt scavengers who re-age the accounts, keeping them on my credit report. Clearly I cannot resolve my credit issues on my current income, but without marketable skills, there’s not much upside potento my income.

  2. diana says:

    You seem to be confusing how you got into debt (which is legitimate) with taking action to take care of it (which you seem to have given up on).

  3. Jessica says:

    It’s says you have student loans in your comment, so you must have some sort of marketable skills. If you credit is that bad maybe you should consider filing for bankrupcy and then start over from there. Lenders for student loans love to work with people on thier payments. So, maybe call and see if you can get your loan payments lowered based on your income.

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