You built a perfect budget. You’ve covered everything, from the bills to your student loan, your car payment, your insurance, the groceries for the week, and you even set some money aside for unexpected expenses. But aren’t you forgetting something? Or better still, some “things”? Like having fun, and indulging yourself with something you really want?
The guilt-free spending money you deserve
A good budget doesn’t cover your needs only – it always leaves a bit of room for what you want. When you are on a strict budget, every dollar “gets a name”, as author Dave Ramsey says. But you can’t keep your “wants” at bay forever. Sooner or later you’ll end up spending on something of your heart’s desire, and there goes your carefully built budget. So, why not budget in this amount from the start?
Budget in the fun!
“All work and no play…” you know the rest. Working like a busy bee, setting aside every cent, is an option for a short time, but in the long run it will most likely ruin your motivation – or more.
A friend of mine has found the perfect compromise: he plays blackjack at the All Slots Online Casino. He doesn’t have a big budget – $10 a week, not more – but he always sets this much aside for his gaming habit. He chose the All Slots because of its large variety of games, and ease of use. And, of course, because of the All Slots Mobile Casino, its mobile version, with over 100 games to play on the go.
He doesn’t play large stakes at the All Slots Casino, just enough to give him the thrill of actually risking money. And, as he says, he has sometimes managed to round up his budget enough to indulge himself with an extra night out with the boys – which is a gain in itself, don’t you think?
How much to set aside?
Well, it all depends on your individual needs. Setting aside $10 for fun and another $10 for what they might desire on the way is enough. Others might consider more, or even less. The amount is not important.
What really matters is knowing that it’s there.
The desire to have an ice cream in the park, or buy a new pair of sneakers, might hit you at any time, and so can the sudden urge of seeing a movie, a concert, or a play. What’s most important is for you to be able to do any of the above guilt-free, without breaking down your morale, and without having to take money away from other, more important matters. Because a good budget is built not only to take care of your bank’s needs, but yours, too.