Why I Don’t Have Guilty Pleasures Anymore

Now that I’ve started absorbing financial knowledge and trying to have a good financial mindset, I’ve discovered something unpleasent.  I feel guilty splurging on myself now!  Of course, in a savings perspective, this is a major plus but it sure makes my life a bit more dreary if I can’t treat myself out sometimes to yummy food or that really cute new pair of shoes every so often without giving myself a guilt trip.

So, I’ve decided to set up a mini-account in my ING savings account just for splurging.  I’ve even named it “Splurge Savings” which I admit is a bit of an oxymoron.  But, hey, I treat it just like any other savings account, auto-deposit money into it, hopefully earn a bit of interest on it.  Then, once a month or so, I take some money out specifically to spend on something frivolous. I’m not going to allow myself to spend it on something practical at all!

This way, I’m still putting most of my money away but whenever I want something really badly, I tell myself that that’s going to be my once-a-month splurge, wait until it’s that time of the month (you know what I mean!), and splurge on myself.  This makes me cheerier, less prone to spend money randomly on frivolous things, and sort of reward myself for sticking to a frugal mindset most of the month.


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