This month’s Happy Hour topic comes from Tonya on the Happy Hour crew. She wanted to talk about the excuses we make as to why we aren’t making financial changes in our lives.

As a word of warning, for those listeners who want to get right into the substance of an episode, you’ll have to fast forward to about minute 10 to get to our topic. We rambled quite a bit in the beginning of the episode and if you enjoy our rambles, then you’ll enjoy the beginning of this happy hour.

I think my biggest takeaway is to realize that we can all makes excuses and justifications for why we’re not making change, but it’s not until you stop telling yourself those stories that you’ll truly be open to achieving the financial success that you’re meant to achieve.

Notes for this show as well as links to everyone’s sites can be found on my blog, http://financially-blonde.com. Also, if you have any topics you would like for us to talk about during happy hour, please feel free to email me to shannon@finblonde.com or tweet to me https://twitter.com/blonde_finance or join the private Martinis and Your Money Community on Facebook and let us know.

Until next time, take care!!

Cait Flanders found solace through a 12-month spending ban - but that’s not all. She also embraced some of the concepts found in minimalism like "buy one, give one" and the $20-20min rule. How much was she able to cut out of her budget? Listen to her story and find out.

Visit http://financially-blonde.com/mmpodcast for more details and shows about martinis and your money.

In this episode, Shannon and the Happy Hour Ladies discuss their personal care spending, why they spend what they spend and how they save money on personal care.