Get What You Really Do Deserve With Your Money (It’s Not Debt)

By Jackie Beck   Updated 02/14/2022 at 2:36 pm

“What the heck, I deserve it!”

Have you ever said that phrase to yourself when debating making a purchase or going out shopping?

It’s a line that’s often used to rationalize spending money on something that you’re tempted by in the moment.

Usually this is either money you don’t really have (and so you use credit instead) or money that’s earmarked for something else (like getting out of debt or funding a big future goal.)

You do deserve good things

My argument is that yes, you do deserve whatever it is if it’s something that you really want and you can afford it without getting sucked into minimum payments. (Note the “if” and the “and” in that last sentence.)

We all deserve good things in life — but there’s something else we deserve that’s even more important: to treat ourselves and our future with respect.

We also deserve to live a life free of money-worries and stress.

If we spend money we don’t have or that we need for something else, we don’t get what we really deserve. So what happens when we’re tempted to overspend?

Handling temptation

When it comes to deciding between buying something you want right now vs. getting what you really deserve in your life long term, it can help to ask questions like these:

  • Do I deserve to be stressed out and worried about money?
  • Do I deserve to pay 16% more for this, every month for the next 2 years?
  • Does my child deserve to follow me into a cycle of debt because they see me carrying a normal-seeming balance on credit cards?
  • Do I deserve to come up short for what I really want (financial security, to be debt-free, a worry-free vacation next summer, etc) because I bought this thing that I won’t remember in 3 months?

Obviously, the answer is no.

Questions like those help to separate out short-term attempts at feeling better (that may even make you feel worse in the long run) from the things that will actually bring you lasting happiness and a solid financial future.

That’s not to say it’s “bad” to splurge or treat yourself from time to time. But the key is to put splurges into your budget.

So go ahead: get what you really deserve instead.

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Tempted by debt? Get what you deserve long-term instead.

One thought on “Get What You Really Do Deserve With Your Money (It’s Not Debt)

  1. In my opinion, it’s ok to spend the money on the following:

    1. Relationships with your friends and family (most important)
    2. Health (including good food)
    3. Personal enjoyment and relaxation (you only live once!)
    4. Personal, business, and career development
    5. Investments that will one day pay you a fat return

    Everything else is frivolous – and especially try to avoid giving your money to large companies such as banks, utility companies, insurance companies, lenders, etc.

    Good luck!

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