Lies. You may not tell them to other people. But you probably tell them to yourself. We all do. I’m definitely going to use this gym membership. I’m only going to have one cookie. I’ll pay off my credit card balance every month. The problem comes when you let your belief in the lies clouds your financial judgment. So whether it’s mood shopping or outsourcing tasks you really could handle yourself, here’s a cold, hard look at some tough truths and how you can incorporate them into your financial planning.