There’s nothing wrong with working hard and feeling like you’ve earned the right to spend your money. In fact, on at least some level, that’s a healthy line of thought. But left unchecked, the simple phrase “I deserve this” can actually become an expensive habit. If you use it too often, you might fall into the habit of justifying all of your excessive spending, and before you know it, you could find yourself in a deep financial hole. Here’s how those words could end up costing you more than you realize ...