Exposing the Enablers: Unveiling the Justifications behind bad spending habits.

We’ve all been there – caught up in the moment, trying to rationalise an impulse purchase or justify going over budget. It’s easy to fall into the trap of using pick-up phrases to ease our guilt and convince ourselves that it’s okay to spend on a new designer bag, an expensive meal at a fancy restaurant, or the latest gadget. In this article, we will enumerate some common justifications people employ to justify their actions before spending in a manner that could jeopardise their personal finance. Let’s explore these phrases and uncover the truth behind them.

1. “I deserve this” – The Self-Indulgent Trap:

We often find ourselves working tirelessly, dealing with stress, and feeling overwhelmed by life’s demands. The phrase “I deserve this” becomes our go-to justification for indulging in a treat or reward, regardless of the negative implications it will have on our financial well-being. While it’s crucial to acknowledge the need for self-care and rewarding oneself, it’s equally important to question whether overspending or incurring debt is a justifiable way to reward ourselves. After all, do we truly deserve to go broke?

2. “I will make the money back” – The Optimistic Gambit:

Optimism is a wonderful trait, but it can sometimes lead us astray when it comes to financial planning. The phrase “I will make the money back” is often used by individuals confident in their ability to earn money quickly or those who have experienced financial success in the past. However, it’s essential to consider that this assumption does not account for unexpected setbacks or changes in circumstances that could hinder future cash inflow. Overconfidence in our financial abilities can be a slippery slope, leading to reckless spending and potential financial hardships.

3. “I am investing in myself” – Empowerment or Extravagance?

Investing in ourselves is undoubtedly important for personal and professional growth. However, this phrase can be a double-edged sword. While it can signify actions of self-empowerment, it can also be manipulated to excuse reckless purchases.

For instance a passionate newbie techie may mistakenly believe that purchasing a high-end laptop is essential to start their tech journey. However, this impulsive decision can lead to spending on a device they may not fully utilise or need.

We must differentiate between genuine investments that contribute to our growth and unnecessary splurges driven by luxury and status. Understanding the difference between our “needs” and “wants” is vital to avoid overspending and prevent financial hardship in the long run.

4. Fear of Next-Of-Kin – Facing Financial Realities:

Ah, the classic fear of next-of-kin running wild with our hard-earned savings! Are they eagerly waiting to throw lavish parties or invest in unicorn-themed gadgets the moment we’re gone? Talk about an unlikely scenario! But let’s face it, that’s hardly a sound reason to justify spending extravagantly. While it’s vital to plan for the future and take care of our loved ones, let’s not get carried away with excessive spending based on such hilarious fears. Instead, let’s focus on creating a well-rounded plan that caters to their needs and ensures our own financial stability and peace of mind. After all, leaving a legacy of wise financial decisions is far more impressive than a collection of questionable purchases.

5. “They’re worth it” – Balancing Love and Financial Responsibility:

We all want to express love and appreciation for our loved ones. However, showering them with extravagant gifts can lead to financial stress and in turn, strain relationships. While it’s tempting to believe that expensive gifts will make our loved ones feel valued, thoughtful and meaningful gestures often hold more significance. Setting a budget for gift-giving and finding ways to express our affection without breaking the bank is crucial for maintaining financial stability and healthy relationships.

6. “It’s on sale!” – The Tempting Discount Trap:

Ah, the allure of a good sale! We’ve all fallen victim to this phrase at some point. While sales can be an excellent opportunity for saving money, they can also tempt us into buying things we don’t really need. Just because something is on sale doesn’t mean it’s a wise purchase. It’s important to distinguish between genuine needs and impulsive desires, ensuring that the discounted item aligns with our financial goals and priorities.


It’s natural to come up with persuasive pick-up phrases to justify our spendings, but it’s crucial to take a step back and critically analyse our financial decisions. These justifications may provide temporary relief, but they often lead to long-term financial consequences and stress. By recognizing and challenging these phrases, we can regain control over our finances and cultivate smart spending habits.

It’s essential to prioritise our financial well-being and make informed choices based on our needs, values, and long-term goals. This means questioning whether a purchase aligns with our budget, whether it adds genuine value to our lives, and whether it supports our overall financial stability.

By breaking free from the trap of pick-up phrases, we can foster healthier relationships with money and improve our personal finances. Let’s be mindful of our spending, be habitual about expense tracking and financial planning, and make decisions that lead to long-lasting financial well-being. The next time a pick-up phrase surfaces in your mind before a purchase, pause, reflect, and consider whether it truly serves your financial best interests.

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