It’s My Fault, But…


Anyone who has kids knows that the word “But” is ingrained in every child’s vocabulary from birth.  (As my 4 year old would be quick to point out, I’m talking about the “good kind” of “but” – not the “bad kind.”)  They’re well-versed in excuses like, “But I didn’t mean to throw the ball in the house…” or “But she did it first…” or a hundred other (sometimes very creative) ideas they come up with.


It’s easy for a parent to forget that kids aren’t the only ones who come up with excuses and use the “b” word. In fact, I found myself doing it just yesterday…


The girls in our family are planning a “girls get-away” cruise for 2013.  It’s something we’ve been trying to do for a long time, but we just haven’t managed to pull it together. So we all decided that this is the year we’re going to make it happen.  My cousin who is in charge of planning just sent out messages to everyone about getting ready to put up our deposit money. After much (ahem) “discussion” with my husband, I had to be the one to say I wasn’t going to make it. When we agreed to make getting out of debt our focus for 2012, we decided it would take precedence over everything else. When we made that decision, I didn’t realize it would mean saying no to the chance to cruise with my cousins, so I said, “But…


“But…this is important family time”

Right? What’s more important than family? Financial security? Nah.  Plus, this will be the only chance I will ever have to spend time with my cousins – ever!  Right…?


“But…it’s a really great deal”

While we are going to get a pretty good deal on the trip, a “really great deal” on a cruise is not the same as a “really great deal” on a pair of shoes. It still ends up being quite a bit of money that could be going towards debt.


“But…you get to go on a trip”

My husband will be going on a mission trip in the middle of the summer with our church choir group. So it’s only fair that I get to go on a three-day cruise to enjoy the sun and pool and have fun with girlfriends, right?


Basically what I’m saying with all of these excuses is that I want to get out of debt – but only if it means that I get to do everything else I want to do as well.  Which is why I won’t be going. That is, as I tell my kids, the consequences of our past financial decisions. I’m believing that making better choices now will lead to better consequences in our future finances.


What excuses have you used in order to get what you wanted – even when you knew it wasn’t the best choice?

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