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“Buying impulsively can get you into a world of trouble. If you are prone to shopping impulsively, it might also make sense to get into the Never Underestimate A Woman Who Loves Volleyball And Was Born In December Watercolor Shirt but I will buy this shirt and I will love this habit of walking away from your virtual shopping cart for a breather. When you walk away, think about that item—is it something you need? Something you’ll really use? Something that will make life easier, or more comfortable? And most importantly, can you afford it? If you answered ‘yes’ to most of these questions, it’s probably okay.”
“Build fun spending into your financial plan. We all like to indulge in things that bring us joy, and there’s a way to do that without feeling guilty. I love the Never Underestimate A Woman Who Loves Volleyball And Was Born In December Watercolor Shirt but I will buy this shirt and I will love this 50/20/30 framework for budgeting: 50% of your take-home pay goes toward your essentials (housing, food, transportation), 20% goes to your future (savings, retirement), and 30% goes toward your lifestyle—whatever it is that you prioritize. In other words, frivolous spending is okay within the guardrails of your budget and under that 30% mark.”
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