As the person in my family who handles the family's finances, I try really hard to make sure my husband and I get some enjoyment out of our money. I budget money each month to cover our entertainment costs, which helps, but there is rarely enough left to cover other luxuries. However, I have managed to find ways to pamper myself with little luxuries, and stay on budget. Here are four affordable luxuries that do not bust my budget.
I'm a big fan of a morning cappuccino. It helps get me going and tastes great; however, it can be quite costly. I recently switched from cafe made drinks to making my drinks at home with an instant mix. I save $28 a month, or around $336 a year doing this, but despite the savings I'm still spending around $5 a week, which is just low enough to keep this little luxury from busting my budget.
I have several hobbies, but this is the newest, and one that I really enjoy. It's a great way to pass the time, and the items I make can be gifted or sold, which can save or make me money. The best part about this hobby is that it doesn't have to be expensive. I can spend as little as $3 on a skein of yarn and make all sorts of nice things. On average I spend around $10 a week on this hobby, which is quite affordable.
Hair care products
As with most women, my appearance is important to me. I detest having a bad hair day, and good hair days start with great hair care products. On average I spend around $6 per bottle of shampoo and per conditioner, which means I spend around $12 a month on these two products alone. I could certainly spend less, but this is one luxury I'm determined to keep.
Nearly six months ago I decided to give this movie service a try, and I was hooked instantly. It gives me the opportunity to watch entire television series that were canceled long ago, a chance to watch earlier episodes of shows I'm currently watching, and gives me access to hundreds of movies on demand. There was a time when I thought there was no way I could justify the expense, but in the grand scheme of things it's such a small amount of money to pay for such a great luxury.
As you can see, none of these "luxuries" cost more than $20 a month, which makes them a bargain, and means they do not bust our budget.
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More from this contributor:
- Personal Budgeting
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