Tuesday, March 12, 2019

Is Splurging is Good for My Frugality?

If I try and stay within my $400 household and grocery (H&G) average budget per month, I'm left with $107 for the remainder of March. That's a mere $5.09 per  day. We've splurged a lot this month-hitting Trader Joe's and adding indulgences like olive tapenade, pilak paneer, and artisan breads and cheeses. We bought fresh salads and pricier vegetables like avocados and fat big boy tomatoes and cucumbers, both expensively out of season. I even picked up Chinese food from the  Asian food counter. Yes, this has been an unusual shopping month for us so far. I blame the weather. I blame no oven. Mostly though, I blame it on the fact that sometimes, I just want to ignore the budget and just buy the items we really enjoy, even if they don't fit a thrifty mind set. Am I turning into a spend thrift? No, just the opposite. I think when I let myself spurge, it actually helps me stay focused on our spending priorities in the long run. 

Indulging in  jar of olive tapenade, a loaf of crusty ciabatta bread, some herbed goat cheese and opening a bottle of wine is a simple pleasure that to me exudes memories of vacations and lazy days on the deck or by the lake. Eating naan bread with the pilak paneer chatting with my daughter gives me  one on one time, on a weeknight, when neither of us have to rush anywhere. Picking up Chinese food means no big clean-up after a night of movies, making a night in an easy choice rather than going out. In short, splurging once in a while feels like a treat that doesn't bust the budget, but get's me out of a hotdish, pasta, and popcorn rut. 

Similarly, sometimes a small splurge in other areas keeps the wants at bay. DD2 needed new underwear. She got the four pack of Fruit of the Loom hipsters, but a couple pair of pricier ones. I've shared my chagrin of growing up wearing bulk purchased granny panties and how I vowed I would spend more for my daughters. Fortunately, the FoL are much cuter than the styles 30 years ago, but I still feel a desire to buy a few of higher style and quality, which she'll wear under her discounted jeans.  

I like a good wander around department stores and sometimes pick up items  that are not a need. I got a 69 cent stocking with pup's initial on it-realizing I didn't have a special stocking for him. I got a small housewarming gift for my niece, a pet ornament, and a six pack of washcloths (ours disappear like lost socks). I looked at lots of things that could have satisfied  retail therapy. DD1 helped keep me from buying yet more clutter, which I almost did just because things like holiday candles, picture frames and Christmas stuff were 80% off at Kohl's. 

Perhaps I am justify spending on wants. With really aggressive savings goals again this month, and an unknown job situation for DH, I should be ignoring even the small urges to splurge. However, not saying no to myself all the time makes it feel easier to be frugal most of the time. 

12 comments:

  1. I couldn't agree with you more. Even setting aside the no oven situation (where I believe you just have to do what you need to do to cope) I think a relatively minor splurge on a few things you really want can help along the line. Considered purchases that bring real enjoyment can help prevent burn out or a blow out.

    ReplyDelete
    Replies
    1. For me, burn out can easily lead to blow out.

      Delete
  2. I do a similar thing: Personally, I gave up eating out entirely. I told myself that I can purchase the ingredients for the exact meal I want to prepare for the family at the supermarket with no regard to cost for less than the cost of one person's meal out. Prep time is less than the time to go out, order, eat, return home--without the hassle of having to leave the house in the evening, coming home only to have to walk the dog, tidy the kitchen etc... As for DH's proclivity for taking the kids with him on errands so they can go out to eat breakfast and lunch at the drop of a hat--that is the only, and I do mean only, time he spends money on himself. Neither of us can really see leaving the house to spend time and gas to shop for the sake of shopping. It's not a hobby for us.
    As for other areas, there are things for which I do not compromise quality, particularly bedding, towels, shoes and undergarments. To this end, I have done my research and know the best sources/prices for the quality I seek. I don't consider this splurging. I see it more as intention.

    ReplyDelete
    Replies
    1. I enjoy eating out, but it needs to be with intent, not just because. I too will figure out the cost to make at home though.

      Delete
  3. I can relate to the food purchases. Not the shopping, as I just don't enjoy it at all.

    On the food side, I do think having splurges at home can prevent dining out, or feeling the need to splurge outside of the house to "treat yourself". I also challenge myself to try a new recipe with fancy ingredients, bake with the kids, or buy a nice bottle of wine to serve with another at home meal.

    ReplyDelete
    Replies
    1. I'm not a big shopper either, but the clearance racks and shelves can woo me in!

      Delete
  4. I enjoy grocery shopping, but not regular shopping (and only if I am in no hurry). We do eat out nearly every week. TheHub has a high stress job that requires a lot of overtime and nearly every Friday he wants to go out. Fine by me!
    As for the food budget, I buy whatever we want but not always when we want it. I shop whatever is the best buy on any given week and usually buy multiples to freeze for later. That is why it is so dang hard for me to use up my freezer. It is a revolving door of food in and food out.
    Special indulgences? You betcha! Saving is so important, but living in the here and now is equally important since none of us are ever guaranteed a tomorrow. Eat that tapenade with your daughter and buy good underwear as a treat and don't look back.

    ReplyDelete
    Replies
    1. We have so little freezer space or I would probably be buying more at different times as well. It sounds like the meal out each week is part of his cost of work. I wouldn't deprive DH of that if he really enjoyed it.

      Delete
  5. This post makes perfect sense to me too! Deprivation for too extended a period of time is a recipe for disaster! And your little splurges (in my opinion) seemed very deliberate for the most part which helps keep things in control....something I desperately need to work on! ;)

    ReplyDelete
    Replies
    1. Control, not so much, but manageable. I'm looking forward to a night home either Friday or Saturday with my treats and wines!

      Delete
  6. Winter is such a natural deprivation time, I think what we miss most is sunshine and fresh air. We then try and liven up our meals to make ourselves happy - this is not a bad thing. Better to give in to little splurges than go right off the rails. Frugality is not about deprivation but living better and making your money go further than most - you do it well.

    ReplyDelete
    Replies
    1. I appreciate your perspective. March has been a splurge month in so many areas, but I hope to walk into April with a more intentional, not deprivational, mindset.

      Delete

Join the conversation. Your comments are welcome. Dissenting and different opinions are welcome as makes for good conversation. I moderate comments to be sure I read them all and stay ahead of the spam. Advertising products or services without permission will be deleted, as will anything that may be harmful to others-read promotion of debunked "experts" and conspiracies. If you're a blogger, feel free to include your blog URL.