Ask brianna_ is it ever ok to splurge_

Q: I’m trying to keep my spending in check, but I want to treat myself occasionally. Best affordable restaurants in chicago Is it ever OK for me to spend a little extra on something special?

A: Your budget should help you do what you love, not leave you stuck at home, afraid to spend one extra penny. Best lunch spots in new orleans That’s why I follow the “pay yourself first” philosophy, which just means saving some of your income as you earn it. Best food in new orleans That puts your longer-term savings on autopilot, while you cover regular expenses out of your day-to-day budget.

But when money is tight, it’s easy to feel like you’ll never go to the movies or buy a sketchbook again.


Best chinese food in chicago And feeling deprived by your budget makes it more likely you’ll abandon it with a spontaneous shopping spree at H&M.

“If you’re not doing things that are essential and restorative, chances are you’re going to start spending money on other things that are short-term, quick-fix things,” says H. Best chinese food in chicago chinatown Jude Boudreaux, a certified financial planner and founder of Upperline Financial Planning in New Orleans. Best seafood in wildwood nj Online shopping and pricey dinners out feel good in the moment, he says. Best indian restaurants in chicago But if they don’t truly fulfill you, you’ll end up going back for more — and overspending while you’re at it.

Rest assured. Best seafood restaurants in new york city There are ways to build fun into a slim budget. Best cheap eats in chicago But first, let’s make sure you’re choosing your splurges wisely:

Your first task is to figure out what “essential and restorative” mean to you. Best fast food places near me Identify the experiences that bring you deep joy, not just fleeting pleasure, and prioritize them.

Boudreaux often asks his clients the three questions formulated by George Kinder, founder of the life planning movement, which encourages financial professionals to incorporate clients’ nonmonetary goals and values into their financial plans. Best restaurants near times square The questions ask how you’d change your life if you were completely financially secure, if you had five to 10 years to live, and if you had 24 hours to live. Best seafood in miami beach Your answers shed light on what’s most important to you.

Boudreaux says his clients’ most satisfying activities often don’t cost much. Soul food restaurants in new york But if the exercise reveals you have a penchant for travel to faraway lands, make that a longer-term goal and create a plan to realize it.

Make your goals specific, Boudreaux says; instead of setting aside money for travel in general, save for a “nine-day trip to Ireland.” Also, consider setting up a separate, travel-only savings account at a bank other than the one where you keep your checking account. Soul food restaurants in newark nj If the accounts aren’t linked, you’ll be less likely to dip into those savings for daily expenses, says Ashley Feinstein Gerstley, a money coach and founder of The Fiscal Femme in New York.

Smaller splurges can be worked into your life and your budget more often.

Live music fills you with energy and makes you lose track of time? Prioritize it. How to get free food from restaurants Consider free venues or sign up to see a monthly show through Sofar Sounds, a concert series in hundreds of cities that features on-the-rise acts and, in many cases, accepts payment by donation. Fast food restaurants delivery Instead of a day at the spa every six weeks, give yourself a home facial or hair mask, Gerstley says.

Even if you’ve discovered your greatest joys are costly, knowing what they are can help you recast how you think of “self-care.” When Boudreaux and his wife prioritized traveling, they didn’t think of cooking at home as depriving themselves of restaurant meals; rather, eating out came to signify deprivation because it lowered their savings for another trip.

Reframing might mean keeping track of every $15 you save by bringing lunch to work, as one of Gerstley’s clients does, and putting it toward a travel fund. Fast food restaurants near my current location Soon that pricey salad will be less tempting, knowing you’re going to take your little sister to Italy next year.

“Often what happens is,” Gerstley says, “what we think we’re ‘treating ourselves’ with is at the expense of what the true treat would be.”

“Ask Brianna” is a column from NerdWallet for 20-somethings or anyone else starting out. Seafood restaurants near my location Send your questions about postgrad life to askbrianna@nerdwallet.com.

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