6 Things You Shouldn’t Feel Guilty Splurging On

6 Things You Shouldn’t Feel Guilty Splurging OnA common financial advice that personal finance experts dole out is to live frugally and save as much as possible.

For most folks, this advice is spot on. Without a trust fund, a winning lottery ticket, a 7-figure salary or the desire to become an entrepreneur, saving religiously might be the only way to build a sizable nest egg.

Usually, I am a die-hard advocate for living way below your means. But today, I’m going to throw a somewhat controversial idea out there: some things are worth splurging on.

And no, I’m not talking about Starbucks Frappuccinos, Le Creuseut casseroles, or tulle dresses from Etsy, as much as I agree that they’re awesome.

In my opinion, something is worth buying if it can produce long-term benefits that extend beyond the “feel good” factor at the moment of purchase – much like an investment.

Keep reading. You’ll see what I mean.

1. Taking care of your health

If saving comes at the expense of your physical and/or mental health, then it’s absolutely not worth it.

Physical health:

The importance of physical health cannot be stressed enough. As the saying goes: health is wealth.

As we all know, the key to a good health is regular exercise and eating well.

But alas, staying fit and eating healthily is not a cheap endeavour: gym memberships cost between $40-$50 per month on average, and don’t even get me started on the prices of organic produce.

Getting fit

With that said, if there is a choice, please don’t talk yourself out of doing the right thing for your body because of money. You’ll be glad you made these choices.

Mental health:

Spending for your mental health is a tad more complicated, as the line between shopping spontaneously to cheer yourself up and engaging in mindful self-care is often blurred.

Going to see a therapist for a mental tune-up is considered good practice.

But what about getting a hot stone massage at the end of a grueling day when nothing seemed to go your way? Is that spending justified?

Clearly, on the subject of mental wellness, I’m out of my depth.

Though as a personal finance blogger, I say go for it! Indulge on whatever it is that helps you get through a particularly tough day.

But only on the conditions that:

1) Free or cheap alternatives are not feasible (for example, venting to a trusted friend, doing yoga, practicing meditation, cozying up with a book or getting a good night’s sleep are inexpensive ways to keep our spirits high)

2) You don’t want it, you NEED it (for example, to prevent a breakdown)

3) It’s a “once in a blue moon” type of situation (meaning, you don’t splurge more often than you have to)

2. Getting an education

Improving oneself through education is a reward in of itself.

Also, few things boost earning powers quite like getting an education, whether it’s by completing a bachelor’s degree, getting an advanced degree or earning an industry-recognized certification.

Of course, I’m not just talking about formal educations. Taking an online class (with the exception of for-profit colleges), attending industry seminars, webinars, and conferences also count.

In most cases, the price you pay for education is directly proportional to its quality, the caliber of your teachers, and the connections you make along the way, so never skimp on education!

3. Buying books

Please don’t ever feel bad about buying a book, even if it’s a silly book, even if the book does not benefit your career, even if – gasp – it’s Fifty Shades of Grey!

Okay, maybe borrow Fifty Shades of Grey from the library if you insist on reading it. But my point is: I doubt anyone in the history of the world has ever become homeless because they bought too many books. I’m making this claim without the research to back it up so feel free to offer counter examples. I’m actually curious to know.

In my opinion, reading anything is better than reading nothing. Reading can reduce stress, stimulate your mind, expand your vocabulary, improve your writing skills, and I’m saving the best for last: you’re likely to learn a thing or two from every book! How wonderful!

Reading a book

I usually have 2 books going at once: a non-fiction with substance, and a page-turning thriller. The former expands my horizons while the page-turner keeps me entertained during long commutes.  

I can go on and on about books, so let’s move on to my next point before this turns into a book blog. 

4. Maintaining your house

My husband and I have a lot to learn about fixing up our house, so we hired professionals to help us, with plans to eventually tackle all the small renovation projects on our own.

We’ve also hired professional cleaners to clean the house every two weeks. It might sound like a complete waste of money to hire people for something we can take care of ourselves, but it is absolutely worth it. Not only is our house always clean and ready for guests, my husband and I never have to argue about the division of cleaning chores.

The reason I’m encouraging you to splurge on home maintenance is that it would actually save you money down the line and keep your home value on par.

When it comes to your house, small issues, when ignored, could easily grow into serious and more costly problems later on. So it’s best to tackle them as soon as they’re discovered.

Last but not least, make sure to hire someone trust-worthy and experienced. It might be expensive but peace for your mind is priceless.

5. Making connections

The people we choose to surround ourselves with says a lot about us.

Personally, I value people that offer at least one (or some combination) of the following:

  • Knowledge, wisdom, advice
  • Sense of humor
  • Interesting stories to tell
  • Kindness
  • Open-mindedness

I try my best to provide all of the above, in order to build genuine relationships with great people.

Because this is a personal finance blog, I would strongly encourage you to connect with those whom you deem financially successful.

Just think about it, all it takes is one slice of sound financial advice delivered at the right time for you to make a key investment decision that changes your life for the better.

Meeting friends

My husband and I rarely spend money treating ourselves, but we go all out when friends come over, especially those who are compassionate, inspiring, and willing to share (not brag about) their strategy for success.

The value that we get out of these productive conversations far outweighs the cost of the meal, every single time.

6. Buying things that you use frequently

If you’re a professional painter, you need artist-grade paint, paintbrushes, and canvases.

If you’re constantly on the go, you need a reliable vehicle.

And if you spend more than 8 hours a day on a laptop, you probably want a fast laptop that can keep up with your productivity.

Forking over some extra cash is totally acceptable when it’s something you use every day, especially for work.

Considering the number of times and how long you’ll actually be using the item, you might realize that, on a cost-per-use basis, it’s not a bad deal at all.

What was the last item you splurged on and do you think it was worth it? 

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Category: GeneralMoney For BeginnersSpending


  1. Yup, this article is for me. I’m way too stingy when it comes to spending, even important things like textbooks.

  2. Totally agree with your 1st point. Health is wealth, my friends! I would never feel guilty to spend on something that’s good for my health, even if it’s overpriced and I know there’re cheaper products out there.

    Also good point on mental health, the last thing I splurged on was a very good spa treatment, it was after a very long week of work and I have no regrets. It was very relaxing and it helped me gain all the energy I needed to get back to work.

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Article by: Flora Pang

Flora Pang aspires to become someone who plant trees in their spare time, write thank-you notes to strangers, and perform CPRs on unsuspecting elders. But until then, blogging about personal finance remains her only way of contributing to society. You can catch her rambling about money on Facebook, Twitter, Instagram, and (to a lesser extent) Pinterest.