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Splurging….It’s a scary yet awfully fun word.
For people who love to save money, this word can be scary. It’s scary because we spend all this time to clip coupons, watch for sales, match coupons with sales, get cash back online, research things before we buy them, etc. So when you “splurge” it can almost feel like you are throwing all that saved money away.
It’s a fun word because let’s face it, we all love to get something we really want whether it’s a $150 pair of designer jeans because they are the only kind that fit, a luxurious car because you want to feel safe and comfy while driving…you want the new Coach purse that was just released because hey, it’s just cute and makes you feel good….There’s my key point – it makes YOU FEEL GOOD. That’s what really matters right?
Basically what I am saying is there is a always a good and bad way to look at splurging. I like to look at it “the good way”. I personally believe it is OKAY and actually a very good thing to splurge….in moderation of course.
Now, moderation can vary for everyone. It all depends on how much money you have leftover after each paycheck, how many bills you have, etc.
I splurge…I splurge on things like vacation with my family (to me this is a great way to use our money I work hard to save. I love to create special memories the kids will always carry with them) I splurge on my purses – I am a sucker for Juicy Couture. Yes, these can be expensive but I feel that I work hard to save money and deserve to spoil myself when I want. And guess what, you know when I buy that purse I am going to try to find the best deal on it whether it’s at Nordtsrom Rack, online with cash back or with a store coupon and sometimes even used – if it’s in good condition it still makes me FEEL GOOD when I wear/use it.
If you have a hard time feeling like it’s okay to splurge or shall we just say “treat yourself” then I have some tips to help you out…
1 – Set aside a certain amount from every paycheck, yes, even if you live paycheck to paycheck. Be creative and think of ways to do this. For example if you pay $50 on your credit card every month maybe choose to pay $25 every other month. I am not saying to not pay your credit card. I am saying to maybe pay a little bit lower (as long as you are STILL paying the minimum) every other month and a little bit higher than the minimum every other month so it would still equal a payment every month. I am a strong believer that we need to live life to the fullest and spending all your money to pay bills will not make you feel good. Don’t get me wrong, it feels good to pay off debt but what if you can still do that and spoil yourself at the same time…that, FEELS even better! Take that extra $25 and save it – save it for your special splurge. Splurging always feels better when you do it big….I mean what sounds better, splurging on a dinner out or on a new purse? Save it till you reach $100 and can get that new purse.
2 – Spend some more time one or two weeks to really hit those sales up and save big on groceries using coupons. This is possible. I know that the more time you spend clipping, matching sales, finding deals, etc, the more money you can save. I mean some of those “Extreme Couponers” basically treat couponing as a job. This is something you could do for 2 weeks strong and all the money you saved by working that extra time couponing, SAVE it and SPLURGE with it! It’s almost it’s own form of making money.
Anyway, I hope you all feel like you deserve a great splurge every once and awhile because we ALL do. What are some things you like to splurge on and please, if you have any tips on how to splurge efficiently please share for the people out there who feel “guilty” spoiling themselves. 😉