Money is for spending too

Money is for spending too

I work hard to earn money, I budget carefully to save money, and I’m getting a good grip on investing. But you have one life and I’m going to do my best to enjoy it!

I normally write about those first three things- earning, saving and investing- and give you a glimpse into some of my leisure pursuits too (and why I think they’re mostly frugal!) but whilst my twitter icon is a tortoise, I am an actual human being and shock horror, there are some things I like doing that cost me money.

I like spending money sometimes, ok?

Even walking costs me money now and then, cos I like to invest in a little thing called walking shoes. Also, country pubs are excellently placed for lunch!

I’m pretty disciplined at not spending money on everyday things, like takeaways, cinema trips or new handbags (although see note above re being human, I do sometimes indulge). The main thing that motivates me is the opportunity to save all that cash I could easily have let slip through my fingers and spend a wadge of it on something a m a z i n g.

I have one large indulgence that I know I’m lucky to be able to afford and that is travelling. Whilst budgeting doesn’t go out of the window, I do what I can to make sure there’s enough in the budget for us to enjoy the holiday we want to do, whether it’s a long weekend staying with friend in Edinburgh (super bargain), a break touring northern Spain (great value) or splashing out on a trip to the US of A (well I am 30 this year!)

The more you can do to get a grip on your spending and reduce your bills, the more you can use your money to get where you want to go, metaphorically and literally.

I read some awesome finance blogs and honestly find so many of them inspiring. I started out as a good saver, but I’m onto investing now and just generally have a stronger hold of my money. But not all of what I read is for me, as I’m sure not every word I write will be for you.

I don’t want to work until I drop but I’m not desperate to retire as soon as physically possible, so I pay into my pension, invest into my stocks and shares ISA, keep my emergency fund topped up, and indulge in something I absolutely love as often as I can.

Indulgingย in my passions

This year (tomorrow in fact!!), I have an incredible trip to New York, Boston and Philadelphia planned and I am so excited! You might read that and think it’s beyond your wildest dreams, or you might think ‘so what?’. Our lives and finances are all different.

It’s ok to spend money, that’s it’s purpose after all.

I’d love to share a post on how to enjoy New York, Boston, Philadelphia on a budget. I’ll be operating on one, but one that I know will let me do the things that are important. So I think, instead, I’ll share the cool free stuff we get up to, the stuff really worth spending your money and time on and if they’re anything I’d avoid. Maybe I’ll even be telling you a million and one things you have to buy or spend on whilst you’re there. Well, like I said, money is for spending too!

I’m sure you’re only human as well- I’d love to hear your indulgences. Jealousy inducing travel experiences (mostly) welcomed! Just give me time to recover from jet lag to respond! ๐Ÿ˜‰ย 

6 thoughts on “Money is for spending too

  1. I am exactly the same. I budget carefully, I save money on as much as I can, but now I’ve paid off my debt I am slowly but surely spending money on myself.
    I have financial goals such as building a decent emergency fund, starting investing, but first I am dealing with my personal goals. I have written a list and it has on it things I’ve wanted for years and I’ve been saving up for them. Last week I spent a lot (!) of money on my hair & it’s something that I saved for. It was actually paid for by a blogging job!
    I’ve got some other things to get too, and I’m excited ๐Ÿ™‚ they are things that I really want, so why not spend money on them?

    1. So exciting to have your debt paid off and be able to not just get ahead financially but also do some of the things that are good and important for you. It must be a good feeling, to have your side hustle paying for some pretty major treats- nice work! ๐Ÿ™‚ If you don’t buy things all the time, it is exciting when you buy things that you really want and have looked forward to!

  2. I agree with you. Sometimes we just need to enjoy life a little. I forget about this every once in a while since I’m too focused on saving. But Mr. FAF always reminds me that we make money to live instead of living just to make money. ๐Ÿ™‚

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