While saving money and investing is key to a great financial future, it also doesn’t mean you should never spend money on yourself. This is what the concept of “treat yourself” is all about! It’s doing things or buying something that will boost your happiness and improve your overall mood.
However, you also want to be careful that you aren’t treating yourself TOO much, where you are overspending and going into debt to satisfy some instant gratification. Here you’ll learn more about the value of treating yourself, some affordable ways to spoil yourself, and setting a budget for spending.
1. Do a staycation
Instead of traveling halfway across the world on your next vacation, why not stay at home and explore the city you live in? You can still make it feel like a vacation, and learn a thing or two about your hometown!
2. Read a good book
When’s the last time you read your favorite book? Find it again and then cozy up for a few hours to read.
3. Sign-up for a monthly subscription box
These will vary in price, but for $50-$100 per month, you’ll get a new box of goodies right to your door. It could be food, clothes, books, etc. Whatever interests you, take a look online and see what is out there.
4. Take a fitness class
Yoga, kickboxing, cycling, etc. You don’t have to pay every month if you don’t want too, but maybe take a one off class to get some energy out, learn something new, and maybe find a new hobby.
5. Learn something new
Books are pretty cheap and can provide a wealth of knowledge. I learned about money management and investing through these personal finance books. I spent maybe $100 total, which has paid huge dividends for me. Plus, there are tons of resources on the internet or even courses you can take that are not overly expensive. Think Udemy or Skillshare as examples.
6. Go to your favorite coffee shop
Although many financial gurus like to tout the cliche stop spending money on lattes, spend on it if you find comfort with that. Naturally, set some boundaries so you aren’t spending every day, but maybe 1x a week or whatever cadence you feel comfortable with.
7. Buy some new clothing
If you like to buy clothes or get some comfort from this, a great way to treat yourself is to get some new clothing. But instead of going to some expensive outlet, go to some thrift stores. There are lot of good quality clothes and brand names, for much more affordable prices.
8. Buy your favorite food
While dining out or ordering takeout everyday will start to hurt your wallet, it’s okay to dabble from time to time. If you have a good budget in place and can do this in moderation, it’s a great way to treat yourself.
I have a dedicated amount of cash I set aside for restaurants or takeout, that way I don’t feel guilty about spending some money and I get to enjoy some of my favorite foods.
9. Go hiking
If you live near the mountains, take a break and go explore. Even if you don’t have mountains nearby, there are plenty of trails and parks most likely right by you. It’s a great way to explore, get some good exercise, and free your mind of the hustle and bustle of everyday life.
10. Check out a museum
Many museums and art galleries are free. If you live in the city, check out the closest museum and stay there for a couple of hours. It can be relaxing and a cool way to experience some culture.