--- title: Tips on How to Splurge and Still Achieve Your Financial Goals description: Just like occasional treats can help you stick to your otherwise-restrictive diet, occasionally splurging for the things you want can make it easier to stay on track with your financial goals.  image: https://blog.carolinatrust.org/hubfs/happy-girl-getting-her-nails-done-at-the-salon.jpg_s=1024x1024%26w=is%26k=20%26c=NWA0dks9RsroQmCZ8Coh3W3A8Xp-l3su2A5Py9j5utw=.jpg --- [![Carolina Trust Credit Union](https://blog.carolinatrust.org/hs-fs/hubfs/CarolinaTrust_December2019%20Theme/Images/ctfcu-logo-white-v2.png?width=153&name=ctfcu-logo-white-v2.png "Carolina Trust Credit Union") ![Carolina Trust Credit Union](https://blog.carolinatrust.org/hubfs/CarolinaTrust_December2019%20Theme/Images/ctfcu-logo-white-v2.png "Carolina Trust Credit Union") ](https://www.carolinatrust.org/) Routing Number #253279510 [Book Appointment](https://booknow.appointment-plus.com/b986s4ey/) [Contact Us](https://www.carolinatrust.org/contact) [Login](https://carolinatrustfcu.financialhost.org/Login) [![Carolina Trust Credit Union](https://blog.carolinatrust.org/hubfs/CarolinaTrust_December2019%20Theme/Images/ctfcu-logo-white-v2.png "Carolina Trust Credit Union") ![Carolina Trust Credit Union](https://blog.carolinatrust.org/hubfs/CarolinaTrust_December2019%20Theme/Images/ctfcu-logo-white-v2.png "Carolina Trust Credit Union") ](https://www.carolinatrust.org/) Routing Number #253279510 [Book Appointment](https://booknow.appointment-plus.com/b986s4ey/) [Contact Us](https://www.carolinatrust.org/contact) [Login](https://carolinatrustfcu.financialhost.org/Login) × Close search Search Search Submit ## Carolina Trust FCU Blog ![happy-girl-getting-her-nails-done-at-the-salon.jpg_s=1024x1024&w=is&k=20&c=NWA0dks9RsroQmCZ8Coh3W3A8Xp-l3su2A5Py9j5utw=](https://blog.carolinatrust.org/hs-fs/hubfs/happy-girl-getting-her-nails-done-at-the-salon.jpg_s=1024x1024%26w=is%26k=20%26c=NWA0dks9RsroQmCZ8Coh3W3A8Xp-l3su2A5Py9j5utw=.jpg?width=1280&height=720&name=happy-girl-getting-her-nails-done-at-the-salon.jpg_s=1024x1024%26w=is%26k=20%26c=NWA0dks9RsroQmCZ8Coh3W3A8Xp-l3su2A5Py9j5utw=.jpg) # Tips on How to Splurge and Still Achieve Your Financial Goals Posted by [August](https://blog.carolinatrust.org/blog/author/august) on Mar 10, 2023 11:10:53 AM ![August](https://blog.carolinatrust.org/hubfs/CTMizeAugust-4013x.jpg) - [Tweet](https://twitter.com/share) No matter how hard I try to focus on making the most of my money by saving or investing it, I also work hard for it, so it's only natural to want to spend it how I want to. Although it seems a bit counterintuitive to splurge, doing so in a budgeted way may help you in the long run.  Just like occasional treats can help you stick to your otherwise-restrictive diet, occasionally splurging for the things you want can make it easier to stay on track with your financial goals.  All that being said, you still want to be thoughtful as you choose where to splurge and how much to spend. Here are some tips for guilt-free splurging.  ## Know When It's "Worth It" to Splurge We often hear the word "budgeting" and assume it means spending as little money as possible and cutting out anything that's a "want" instead of a need. But that's not always the case; sometimes, it's more about knowing what's worth spending more on and allocating your spending accordingly.  Deciding which items are "splurge-worthy" is totally up to your discretion. For me, it's getting my hair and nails done on a routine basis. Not only does having my hair and nails done make me feel like the best version of myself, but the time I set aside to have them done is also a time when I can relax and recharge.  ## Make A List Think about the months ahead. Do you have big travel plans? Are there any special events, like a wedding, a concert, or a party, that you might want to spend more on?  Write down every purchase you can think of that might come with these events, such as plane tickets, hotel stays, or gifts. Include an estimate of the price for each item, then add these prices together once your list is complete. This exercise does two things. First, it can guide your spending so you can determine which items are worth splurging for and which can take a back seat. Second, the total cost will let you know how much you should keep in your "splurge fund."  ## Build A Special "Splurge Fund" I often talk about the importance of having an emergency fund or a savings account that's specifically for unexpected expenses. But it's also important to save for fun items and good times!  I call this savings account a "splurge fund." See that number on your "Splurge List" from the step above? That's the goal for your splurge fund. You can begin building it today through some small day-to-day spending changes and budgeting tweaks. You see, spending money on yourself and the things you enjoy in life shouldn't be something that you feel guilty about or causes you additional stress. Enjoying life's luxuries with a joyful spirit is what living is all about; it just requires mindfulness and preparation on our part. 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