I have an attitude problem when it comes to my finances.
I have a nasty tendency to think that things will work themselves out. Basically, if I ignore the problem, it will go away. I'm about to drop some knowledge here - the problem will not go away on its own.
Last week, I impulsively purchased a table. This week, I accidentally spent more than I planned to at drinks with friends. I'm still paying my loans at the rate I planned to, that's not the concern here. The concern is that I'm not entirely sure where the money is coming from. It'll all get paid, on time, but it's going to be a much tighter month, and I probably won't be able to transfer anything extra to my vacation account. A little over a month ago when I opened a second bank account, I planned to put the extra $100 incentive toward my loans - that money is now going to go toward my credit card.
I don't regret these purchases, necessarily. It's the attitude that's a problem. It's the attitude that says, "Future Becca will figure this out." So far, it's always worked out, but I'm setting myself up for failure here. There will, without a doubt, come a day when Future Becca can't bail me out of whatever nonsense I get myself into. That is, if I continue with things the way I have been. So I won't.
Here's where I make a declaration: I am going to change my attitude, and my actions. I am no longer going to defer to my mysterious future self to solve my problems and make my bad decisions go away. I won't be perfect, but I'll try harder and I'll eradicate from my mind the idea that "it will all work itself out."