Guilty Pleasure - The Lottery

The lottery is numbers, chance, big money, and gambling all rolled into one. It's also my guilty pleasure. I'm not bad at math, I know full well that the 175,711,536 to 1 odds of me winning the jackpot are just about the worst odds in the world. But I look at the money spent as an entertainment tax.

It's the fee that allows me to stand in the shower in the morning and daydream about a future where I don't have to get up and go to work in the morning. A future where my daughter's college education is already fully paid. The key is to realize that this reality can come about; but it probably won't happen via the lottery.

Playing with the numbers is an added benefit. Mapping out the numbers and seeing which ones hit on what dates is a strange kind of fun for me.

You DON'T Deserve It

Most of us are guilty of justifying a purchase with, "I deserve it." Unless you budgeted it for it at the beginning of the month, you don't.

Even though you may have had a tough week or just accomplished a large project, you owe it to yourself to delay gratification. The momentary satisfaction of buying something isn't worth going outside of your budget and the havoc it can create.

Dave Ramsey had a story about a single mother giving in at the end of a tough day and buying McDonald's for her kids even though it wasn't in her budget. Those happy meals ended up costing her over a hundred dollars due to the NSF fees from both her bank and the check payees. In the future I'll try to remember this story when I try to justify a purchase by telling myself that I deserve it.