• Facebook
    • Instagram
    • Pinterest
    • Twitter
    • YouTube

Kalyn Brooke

Simple Solutions to Manage Everyday Life

  • Home
  • About
  • Blog
  • Resources
  • Shop
  • Contact

How to Splurge on Life’s Little Indulgences (Without Feeling Guilty!)

March 18 // 13 Comments // 4 Minute Read

Jump To Recipe · Print Recipe
  • Facebook
  • Twitter
  • Email

This post is sponsored by #Shellcrowd, however, all opinions and obsession over brand name ice cream is 100% mine.

This post may contain affiliate links. Read my full disclosure policy here.

Most financial experts like to guilt you into giving up life's little indulgences, but this post is proof you can have your guilty pleasures and still rock a successful budget. These 3 rules keep my little indulgences from becoming major regrets, and still allow me to enjoy everything I love, guilt-free! #indulgence #splurging #guiltypleasure

Financial experts love to guilt you into giving up little indulgences.

Whether it’s a morning Starbucks run, a pint of your favorite ice cream, or a luxurious shampoo that costs a few dollars more than the watered down brand located on the shelf below, by the time you’ve actually “indulged”, you’ve quickly lost all the psychological benefits associated with that guilty pleasure in the first place.

Because now, you’re beating yourself up over how much Dave Ramsey would be disappointed in you.

And that’s no fun.

Don’t get me wrong — I’m most certainly not an advocate for spending what you don’t have. If you’ve been reading KalynBrooke.com for any amount of time, you know that I write a lot about saving on the things that don’t matter so much, so you save towards something you really want in the future—like a long-awaited vacation, a new kitchen remodel, or paying off your mortgage early.

But that doesn’t mean you can’t ever embrace those little indulgences along the way. In fact, I would totally encourage you to! If not for the general happiness factor, then to keep you from a bigger, more impulsive purchase down the road.

We still have to maintain a healthy perspective though, {this post is not permission to go crazy!}, and I personally adopt 3 rules to keep my little indulgences from becoming major regrets. These rules fuel my love for Post-It notes, brand-name ice cream, and $1.99 eBook purchases. I know…..I like to live dangerously!

1. Give Yourself A Budget

Maybe it sounds like a copout, but a budget is pretty much my answer for everything. Look at it this way — when you have fun money set aside for no other purpose than to buy something you want, it completely erases the guilt you would experience otherwise!

The best part is, budgeting for the fun stuff doesn’t ever creep into any of your other, necessary, expenses either. The money is already there and accounted for — you just need to decide where and how to spend it. And while I know it might not sound like much, $5 a week can buy you a latte, gourmet cupcake, or a new nail polish color every 7 days without the guilt.

If you’re new to budgeting, you’ll want to work your way through my Beginner’s Guide to Budgeting series. This series will open your eyes to your current spending habits, and help you assign every dollar a job — including where to find cash to fund those little indulgences!

2. Creatively Fund Your Indulgence

If there isn’t any room in your budget for “fun money”, or you’d rather find another way to fund your little indulgence, there are lots of creative things you can do to add extra cash just for this purpose:

  • Gas Rewards — If you think you have to pay full price for gas, think again! One of my favorite reward programs {Spoiler: Fuel Rewards}, provides a ton of opportunities to save on every tank of gas, and those savings add up every month. You can then use those savings to put towards something you actually enjoy.

For a more detailed look at Fuel Rewards, head on over to this post, where I outline step-by-step all the benefits of signing up.

fuel-rewards-card-2

  • Ibotta Earnings — My all-time favorite money saving app is Ibotta — I even wrote a whole Ibotta app review  — and my favorite feature is the ability to turn my savings into real cash. You can then use that cash to directly fund the indulgence of your choosing…..again, without the guilt.
  • Household Clutter — I’ve been in a decluttering mode lately, so everything I purge either gets tossed in a garage sale box, listed on Craigslist, or posted in a Facebook Yard Sale Group. The best part is, you can earn cash from items that were previously collecting dust around the house, and trade them in for something you would enjoy or use even more. Plus, it’s just a good habit to get into anyway — you don’t want anyone to ever label you a hoarder!

Once you switch your mindset to one of, “if I save here, I can spend there“, it becomes much easier to find extra money for your little indulgence. You might just find you want to go on a saving {or decluttering} spree!

3. Keep it Limited

Indulgences are called indulgences because it’s not something you do very often. If we indulged all the time, the novelty of each indulgence would quickly wear off, and therefore, not be as special. I find that I appreciate my little indulgences so much more when they are limited and reserved only for certain times!

For instance:

  • Instead of going to Starbucks every day, cut it down to one morning you look forward to all week.
  • Instead of buying that amazing brand of decadent ice cream every time you’re at the grocery store, buy it once a month, then savor it once a week until it’s gone.
  • Instead of using that professional, yet expensive, shampoo every time you shower, use it every other time to make it last even longer.

No, you won’t have the thrill of doing these things every day, but over time, you’d quickly lose that thrill anyway. This is a much better and smarter alternative!

I’ll leave you with one final thought….

Being smart with your money is not about telling yourself no all the time, it’s about having a solid action plan for the times you do say YES. I hope I’ve been able to prove that you don’t have to give up your indulgences, {nope, not one!}, you just need to approach them with a different strategy.

Because next time, you’ll want to enjoy them guilt-free.

What is one of your little indulgences?

 

Efuel-rewardsveryday saving doesn’t have to be stressful. The Fuel Rewards® program helps its members save at least 3 cents per gallon just by swiping a free membership card, and includes even more ways to save through groceries, restaurants, and even online shopping! Sign up and learn more about Fuel Rewards HERE.

Disclosure: Some of the links in the post above are affiliate links. This means if you click on the link and purchase the item, I will receive an affiliate commission. Regardless, I only recommend products or services I use personally and believe will add value to my readers. Read my full disclosure policy here.

  • Facebook
  • Twitter
  • Email
« Previous PostHow This WAHM Made Over $4K Hosting on Airbnb
Next Post »Easy Chicken Veggie Stir-Fry


Comments

  1. Natalie @ Financegirl says

    February 22 at 9:04 am

    This is why having a budget is so helpful for me. I can allocate “splurge” money to myself to help me get through the tougher years of paying of my student loan debt. For me, it’s coffee. I love a good Sbux run! 🙂

    Reply
    • Kalyn Brooke says

      February 22 at 6:22 pm

      Mmm… You are making me crave a Double Chocolaty Chip Frappuccino, Natalie!! 🙂 But yes, budgeting for splurges can really make the process of budgeting so much more enjoyable!

      Reply
  2. Derek @ MoneyAhoy says

    February 25 at 10:41 am

    Kalyn,

    I think the trick is to convince yourself that “all things in moderation” is truly what works. If you can cut back from 7 Starbucks a week to 2 or 3 you are making a large improvement. This is where realistic budgeting can help! You can stop spending on things that aren’t top priorities and shift spending to things that are truly important.

    Reply
    • Kalyn Brooke says

      February 25 at 11:40 am

      Could not have said it better, Derek. I’m all about making your money work for you by saving where you can, {usually the unimportant stuff} and spending on the things that matter the most to you!

      Reply
  3. alexandra @ my urban family says

    February 25 at 2:05 pm

    Ibotta is the best, especially for those little splurges you don’t really need – definitely makes me feel less guilty!

    Reply
    • Kalyn Brooke says

      February 29 at 9:43 am

      I agree! Ibotta is my favorite shopping app!

      Reply
  4. [email protected] says

    February 28 at 12:08 am

    Love this! I try to allow for a little indulgence within our budget. It kind of feels refreshing and less “strict”. A little indulgence sometimes helps me stay on track for the rest of our budget timeframe. Great ideas!

    Reply
    • Kalyn Brooke says

      February 29 at 9:44 am

      Budgets are kind of like dieting – you need cheat days. 🙂

      Reply
  5. Tracie says

    March 2 at 10:30 am

    Last year my goal was to go on a spending diet to get myself out of debt. I’m not fully out of debt yet, but I am very close. I made it the whole year, but I did splurge here and there and always felt guilty about it. Last week I got rejected from my dream and my relationship ended. I’m feeling down in the dumps. One of the ways I’ve decided to pull myself out of it is to finally allocate $100 a month for “fun”. Yesterday I made my budget for the month and the money is there. Now I need to decide what to do with it! And I don’t have to feel guilty when I spend it. I’ve worked hard and I deserve it!

    Reply
    • Kalyn Brooke says

      March 3 at 10:13 pm

      Hi Tracie. I’m so sorry to hear about the rough road you’ve been down the last week. 🙁 Keep up the amazing work at getting rid of that debt! That’s fantastic! But I’m also glad to hear that you are budgeting for fun as well!!

      Reply
  6. kim says

    March 8 at 5:10 pm

    Working splurges into a budget for me is the only way to be successful – giving up everything leaves me feeling depleted and I am more likely to fall off the wagon. Great article 🙂

    Reply
  7. Lindsey says

    April 4 at 2:50 pm

    This is the same system we use for our budget. Both me and my boyfriend have $40 a month to blow on whatever we want. It was originally supposed to be used to fund our hobbies but have since changed it to include our indulgences. If we have leftover money after our grocery budget has been spent, we’ll use it to go out to eat or sometimes buy an extra snack or two 😉

    Reply
    • Kalyn Brooke says

      April 7 at 9:13 am

      It really is a great system. It can relieve a lot of potential arguments about money.

      Reply

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Hi, I’m Kalyn—a recovering perfectionist who nerds out about organizing systems, personal productivity, and helping you prioritize what matters over the pressure to do it all. I have a feeling we’re about to become the best of friends! Learn more >>

New? Start Here!

  • Take a Tour
  • Become a BFF
  • Favorite Recipes
  • The Printable Library
  • Just for Bloggers
  • Visit the Shop

kalynbrookeco

👩‍💻 | I help value-driven women lead manageable + meaningful lives.
💬 | INFJ / Enneagram 1
🚙 | RV Life @openroading
👇 | Resources + Links

Kalyn Brooke
I used to feel guilty for reading fiction novels. I used to feel guilty for reading fiction novels. 😔⁣
⁣
Once in high school, someone told me that I needed to expand my world through real stories and information instead of reading all that fluff. 🥴⁣
⁣
I understand the point they were trying to make. If you want to learn how to do something or get to know historical figures or grow personally in a positive way, non-fiction will help you get there. ⁣
⁣
But fiction matters too... for so many reasons! Here are my three: 📚⁣
⁣
1. Fiction helps me practice empathy. I see the world with new eyes because of the way the author invites me to step into the shoes of a beloved character. 🥰⁣
⁣
2. With fiction, you can live thousands of lives. George R.R. Martin said, “A reader lives a thousand lives before he dies. The man who never reads lives only one.” Fiction allows me to enter a world I don’t get to experience in real life. 💗⁣
⁣
3. Fiction helps me write better non-fiction. When we hear a well-told story, our brain reacts as if we are experiencing the story ourselves. So when I read a particularly captivating passage, it gives me ideas on how to weave storytelling into my writing too. 💪⁣
⁣
I’d love to hear why you think fiction matters. Comment below and tell me one of your favorite things about reading fiction!⁣
⁣
And if you love books just as much as I do, I invite you to follow my new bookstagram account @theunclutteredbookshelf where we can talk about books ALL the time. 🤩
STORAGE IDEA… for paint swatches! ☝ Keep and l STORAGE IDEA… for paint swatches! ☝ Keep and label the colors you use, then tuck them away in a small envelope for reference. ⁣
⁣
Whenever I go searching for a new rug or pillows, I grab this envelope so I  have ALL my paint colors on hand.  I can match the colors seamlessly without trying to guess if the blue on my walls trends more blue than green. 🤔⁣
⁣
Another perk? You won’t spend an excessive amount of time in HomeGoods waffling between decorating decisions. Not that I’ve ever done that... 😆⁣
⁣
#tipoftheday #tipsforlife #tipsfordays #lifehack #lifehacks #lifehacker #lifehacking #helpfultips #helpfultip #helpfulhint #helpfuladvice #helpfulinfo #whydidntithinkofthat #whydidntithinkofthis #whydidntithinkofthissooner #whydidntithinkofthisbefore #darlingmovement #darlingweekend #pursuepretty #petitejoys #livethelittlethings #morningslikethese #livecolorfully #abmlifeissweet #abmhappylife #dshappy #myunicornlife #livebeautifully #nothingisordinary_ #theeverygirl
‘Tis the season for spring-cleaning your home … and your finances! 💸⁣
⁣
While most of us use the spring season to deep clean spaces we might otherwise forget (or ignore—fan blades, I’m talking to you), let’s not forget how necessary it is to do a financial check-in too. 💰⁣
⁣
If it’s been a while since you last overhauled your budget, updated your savings goals, etc., not to worry. I have just the thing to give your finances a fresh start! 🥳⁣
⁣
On the blog this week, I’ve listed 7 essential steps to help you clear out the cobwebs. Don’t be intimidated—I promise it will be fun! And once you have these systems in place, you’ll enjoy less stress during the rest of the year. ⁣
⁣
Drop any cleaning emoji in the comments below and I’ll send you the link to get started. 🧹🧽 🧼
⚡NEWSFLASH:⚡ While there’s so much you could ⚡NEWSFLASH:⚡ While there’s so much you could be doing, there’s only a handful of things you can do at one time. 💪⁣
⁣
The authors of the book The One Thing get this. ⁣
⁣
If you’ve not yet read this book, here’s the main premise: 📣⁣
⁣
Not everything can matter equally. If everything is important, then nothing is. And extraordinary results are directly determined by how you narrow your focus. ⁣
⁣
In other words? Balance is nothing more than an illusion. 🔮⁣
⁣
On the surface, balance sounds like an ideal destination, where every part of our life will magically fall into place and we’ll finally experience the peace and contentment we long for.⁣
⁣
But balance prevents you from “going all in” on anything. Balance chains you to the middle so you can avoid the extremes of the right and left, never committing a significant amount of time to any one area of your life. If you approach anything with balance, each task will tug at you, claiming just as much importance as the next. ⚠⁣
⁣
And equal approaches almost never result in equal outcomes. 🙅⁣
⁣
So embrace being out of balance. Go “all in” on the things that are important to you and let the rest go. 👋⁣
⁣
One of my favorite quotes from The One Thing is, “The key to success isn’t in all the things we do, but in the handful of things we do well.” 🥳⁣
⁣
Think about what you want to do well and then leave what you can behind. And of course, grab the book if you’re able and add it to your reading stack. I have a feeling you’ll love it like I did! 💞⁣
⁣
Have you read this book yet?
The discbound notebook is the BEST thing to happen The discbound notebook is the BEST thing to happen to bullet journaling. It’s true! 🤯⁣
⁣
If you’ve never heard of this type of notebook before, it contains two covers (front and back) with your pages sandwiched in the middle. But the differentiating factor are the “discs” that hold everything together. 🥰⁣
⁣
With a three-ring binder, you can’t fold the notebook back on itself. But with a discbound notebook, you CAN, which allows for easier writing. And you don’t have those annoying snaps of a three-ring binder either! Just pull the page off and then press it back down when you’re done. 😉⁣
⁣
With a discbound notebook, you have the freedom to…⁣
⁣
1️⃣ Rearrange pages however you wish and whenever you wish 💪⁣
2️⃣ Organize your planner into sections 🎉⁣
3️⃣ Use bullet journal printables to save time drawing layouts (this is the solution to the loudest objection I hear about bullet journaling) ⏰⁣
4️⃣ Throw away pages when you mess up (as opposed to ripping a page out of a bound notebook and risk the whole notebook falling apart) 😳⁣
⁣
If you’re not satisfied with the 2021 planner you picked, try a discbound notebook ... bullet journal style. This week’s blog post dishes all the details on what you need to set one up along with a video on how I use mine! 📣⁣
⁣
Drop a notebook emoji in the comments below if you want the link. 📒
Last week the world watched Harry and Meghan’s t Last week the world watched Harry and Meghan’s tell-all interview. 📺⁣
⁣
I wouldn’t say I’m obsessed with the royal family (even though I did hang a photo of Prince William in my high school locker!). But I bought a pint of non-dairy Ben & Jerry’s ice cream and settled in for the two-hour tell-all interview. 🍦⁣
⁣
And here’s my main takeaway:⁣
⁣
Suicidal thoughts. 💭⁣
⁣
Yep, we’re going there today. ⁣
⁣
When someone says they “didn’t want to be alive,” don’t ignore their pleas or pass them off as attention-seekers or say they can’t get help because it would look bad on the royal family (all things that were told to Meghan). 🤯⁣
⁣
Nope. When someone says that, believe them. ⁣
⁣
Even though my life looks completely different than Meghan’s, depression whispered the same lies into my ear. And when I tried to get help, I was given Christian books and resources that criticized medication and labeled depression as a spiritual issue. ⁣
⁣
We must remember that words hold power. When we throw out flippant remarks about mental health, it negatively affects the way people view themselves. 👀⁣
⁣
Their brain is already at war. We don’t need to ruin their chances of winning. 🏆⁣
⁣
So regardless of your opinion about Meghan or the royal family, I hope you hear my heart in this. 💞⁣
⁣
We need to stop believing people only when it’s too late. We need to believe them now… and make sure they know they have our full support. Someone close to you right now could be struggling with their own thoughts and you don’t even know it. 🤔⁣
⁣
So be careful what you say. ⁣
⁣
Meghan probably won’t hear or read your opinion, but your friend will.
Load More... Follow on Instagram
Copyright © 2021 · Privacy Policy