Okay, guys. This is honestly something that I’ve been wanting to write about for a while because I think it’s pretty important for people who are trying hard to save money.
You may have noticed this about me already, but I believe that the most important thing in life is being happy. If you aren’t happy, then nothing else really matters, does it?
Trust me, I know how hard it can be when you’re struggling financially.
I’ve been there! I know how important it is to be on top of your finances. I know how important it is to build your savings and emergency fund. I know how important it is to think of your financial future.
As you can see, I wrote about all of these things before.
Now I’d like to write about something different; the fact that you don’t need to give up everything to save money.You don't need to give up EVERYTHING to save money. Click To Tweet
I read a blog post recently of someone basically calling their readers stupid and entitled for spending a few dollars on a cup of coffee, when they could be saving that money. (I mean no hate toward the blogger because we all have our own opinions and I totally respect that.)
First of all, if people have the extra money to spend, they can spend it however they want. And second of all, what’s the point of having money if you never spend it on anything fun? It’s okay to reward yourself sometimes. That doesn’t mean that you feel entitled, or that you’re stupid.
Plus, above all else… it’s your money.
I’m not saying that you should go out and buy a cup of coffee from Starbucks every day if you’re having major money struggles. I’m just saying, buying a $2-4 cup of coffee isn’t what is causing those struggles.
There are plenty of ways to save up money without depriving yourself or giving up everything that you enjoy. I’m going to share some of those ways below. 🙂There are plenty of ways to save up money without depriving yourself. Click To Tweet
Choose specific areas to cut back on.
Let’s say you have a problem spending in multiple areas. You don’t need to stop buying clothes, coffee, books, and everything else you buy too often. Choose a few areas to cut back and allow yourself to splurge in other areas. For instance, stop buying books and go to the library instead – but let yourself continue to buy that cup of coffee every now and then.
Be smart, but don’t deprive yourself.
Make a budget and plan for your coffee habit. Figure out how much you need to shave off your budget in order to build your savings. Set aside money specifically for splurges and fun stuff. But be smart at the same time – don’t blow all of your money. When you make your budget and plan out where all of your money will go, be sure to stick to it and don’t make too many impulse purchases.
Make more money to spend on your splurges.
One great way to make sure you can afford the fun stuff is to make more money specifically for those things. For instance, if you use Swagbucks (which I highly recommend) you can save up your Swagbucks and cash them out each month for a Starbucks gift card to spend on your coffee without having to budget for it!
I also have a Pinterest board dedicated to side hustles + work at home jobs. You can find it right here.
Save money on other things.
Instead of forgoing the coffee, choose to save money doing other things. Such as figuring out how to save money on clothes or save money on groceries, etc. You can use the extra money that you’re saving in those areas and put it towards your splurges.
Question: Do you find ways to save money and still make splurges?