5. "It's good for my marriage or my kids."
I actually feel pangs of sympathy and understanding when I hear this lie because I know how much we all want to make our spouse or kids happy. Yet the truth is that if you can't afford it, you really can't afford it. Borrowing from Peter to pay Paul (or from your August budget to pay for a vacation in July) does not make good financial sense. I know you need a break, and so does your family. So here's what I suggest: Turn off your cell phone some Saturday and drive to a nearby park. Bring a picnic packed from home and some books, a blanket, a kite and some gloves and a ball. This is a break everyone deserves, and—even better!—everyone can afford.