All too often, people commit to new expenses without knowing if they can truly afford them. They move forward with a “we’ll figure it out” mentality—hoping it will all work out in the end.
Another subscription here, a kids’ activity there, a slightly higher car payment—it all seems manageable in the moment. But when there’s no margin, those additions start to add up fast.
The Cost of the “We’ll Figure It Out” Mentality
Over time, a “we’ll figure it out” mentality turns into stress. You’re juggling bills, leaning on credit cards for basics, or constantly shifting money around just to make it to payday.
I’ve seen it happen again and again. People aren’t being careless—they’re just trying to make life work without a clear plan
Avoiding the “We’ll Figure It Out” Mentality with Intention
In my family, we try to be mindful of what we add. We even have a simple rule: no new subscription unless we cancel one. (And yes, my teenagers roll their eyes every time 🙃.)
It’s not because we can’t afford another $10 or $15—it’s because those small choices add up. It’s not about being strict—it’s about being intentional and avoiding the trap of a “we’ll figure it out” mentality.
Before adding something new, slow down and ask yourself:
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Does this move me closer to where I want to be financially—or further away?
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If I add this, what will I drop, change, or reduce to make it work?
How I Handle New Expenses
Recently, I added a $200 monthly expense to our spending plan—but I didn’t just tack it on and hope it would work out. We have some big goals this year, and I didn’t want to take away from those. So I trimmed a few other categories to make room.
It’s not about never spending money—it’s about making sure each new expense fits with our bigger priorities and doesn’t create more stress later.
That’s how we approach every new expense in our family: we review our spending plan, decide what we’ll reduce or cut completely, and often choose not to add something at all.
Sometimes that means telling our kids no, because we have other ways we want to use our money—and at the end of the day, it all adds up.
Saying yes to one thing means saying no to something else.
No one is perfect at money management, but we aim to be intentional.
Breaking the “We’ll Figure It Out” Mentality
If you’re tired of the “we’ll figure it out” mentality, you’re not alone.
I’ve worked with a lot of people in this exact spot—earning good money but stretched so thin they can’t breathe. I’ve been there, too, and I know how overwhelming it can feel.
That’s why I help people build a clear plan, create margin, and take the pressure off—so they can finally feel confident about where their money is going.
Because it is possible to feel in control again. But it starts with being honest about where your money is going—and whether it’s really working for you.
Want help moving away from the “we’ll figure it out” mentality? Schedule a free call HERE.
