Budgeting is always at the top of my mind, and I try to be wise about my spending and what I choose to spend money on. For me, there are a few things worth splurging on – otherwise, I try to be as thrifty as possible on all the others!
If you’re trying to figure out how to set a budget or do a better job of sticking to yours, sit down and think about your spending priorities.
What is worth a splurge to you? Do you like to spend extra on high-quality clothes, but scrimp on eating out or groceries? That’s OK! Just make sure you aren’t sitting down and deciding you need to splurge on everything. (If you have the means to do that, OK, fine.)
Here’s what my priorities look like.
Things worth splurging on
Hands down, Theo is worth all of my money in the world. I don’t even want to think about how much money we’ve spent on this guy since we got him, but it is beyond worth it. He is my precious child!
When Theo got fixed last August, the vet and I went through the price breakdown of the procedure. For a few things, she would say, “This is optional but recommended” or “This is optional but makes them a little more comfortable” or “This is optional but some people like the extra reassurance.”
In response, I said, “Yes. Please. All of the above.” I will do whatever I can to make sure Theo is happy and healthy. The same goes for his food, his training and anything else he needs.
I love buying gifts. Always have, always will, and I am known for going above and beyond for my loved ones. Patrick and I tried to limit each other to four gifts this past Christmas; I’m pretty sure I bought upwards of ten and tried to pass six of them off as stocking stuffers. It was a very large stocking.
I enjoy buying things for myself, sure, but honestly, there is nothing better in the world than buying a gift for someone.
From high school through college, I always got my hair cut at Great Clips – on the rarest of rare occasions that I got my hair cut at all.
Now that I’m grown and ever since the first time I got it cut and colored by a real stylist at a real salon last fall, I am totally spoiled. I won’t spend hundreds and hundreds on my hair every couple of weeks – I go every six to eight weeks for a cut or trim and highlights – but I will finally treat it the way I want it to look.
I also have finally started buying quality shampoo that isn’t full of chemicals and icky stuff that cause buildup in my hair. It’s not cheap, but my hair loves me for it.
Things not worth splurging on
I love clothes. I mean, I really LOVE clothes, and I love having dozens of things to choose from in my closet. Let me assure you, I shop plenty.
But I shop sales almost exclusively and worship outlet and factory stores. I use Shein and Amazon for my fast fashion trend pieces, and I ask for staple wardrobe necessities as gifts.
I am sure that a time will come (or at least, that would be nice) where I can splurge on clothes from time to time, but right now, it’s not worth it and I have no interest in it.
OK, yes, I did say I will spend anything necessary for Theo’s health and happiness. Except for dog toys.
Theo can and will destroy anything, so you won’t see me buy new toys from Petco or Petsmart or a designer pet store (even though I do love those) for this vicious sabertoothed floof. Especially when you can snag amazing deals on dog toys at TJ Maxx, Marshalls or HomeGoods. (HomeGoods has THE BEST pet aisle.)
We only buy new toys from Amazon at lower prices (only Kong toys and Benebones, his favorites).
I have very few brand allegiances – at least, not until I get burned. I almost always buy store brand or whatever brand is on sale in almost every occasion.
Like I said, we got burned by store brand bottled water once, so we buy whatever name brand is cheapest or has the best sale, and there are a few other items where I won’t buy a store brand anymore.
But for the most part, I am super thrifty in the grocery store. Why buy a brand name when the store brand is probably the exact same?