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Buyer's Remorse: Is it ever OK to splurge spend?

Anyone with an adequate financial head on their shoulders immediately hears the word “splurge” and shutters away from that rhetoric, and conjures up a negative connotative meaning from it.

You see “splurging” is often, and accurately, associated with spending money frivolously and without regard or caution as to paying close attention to a budget or being mindful of what money you have available versus what you're spending.

Splurging truthfully is the evil twin of saving, and the two can never go hand in hand, at least that is the mindset of most when they hear the former word.
But being able to save money and splurge might be able to coexist in the financially sound universe you've created as long as certain guidelines are met, and you're adequately understanding your financial standing at the moment you decide to unleash your wallet on a shopping spree for one, vacation for two or spending three times as much as you wanted to on a new car.

To justly look at splurging as something of a positive, you have to first realize that splurging and being content have to at least live in the same neighborhood that is your mentality. Those of you who are content in the home you own, car your drive or general financial standing or job that you currently hold will be more likely to scarcely splurge versus just overspending with little rhyme or reason behind it.

The person who sees splurging as more of a quick dip in a swimming pool on a hot day versus swimming the entire length of the ocean is the same person who has a solid financial foundation, good job and enough material things to satiate their need to garner more of the same. For this group, splurging exists because it is not a source of happiness all day, every day but rather a bonus that they deserve, continually enjoy and appreciate it for what it was at that moment and nothing more.

Splurging also doesn't always need to be viewed as massive purchases or buys in the ilk of a second vacation home, sports car or that jet you've always wanted. Splurging can be a fun, romantic dinner for two, a spa weekend or even just something as simple as getting dessert after a meal that you normally wouldn't.

Splurging is about perspective as it relates to your money and budget. Wildly spending gave splurging a bad name, but enjoying yourself from time to time and spending a little more than you normally would doesn't always have to be stereotyped as you subjecting your budget to sabotage.

Spending Flee: Why you need to walk away from certain items on which you are overspending

Budgeting and saving money is a must for the masses but often even the best intentions are plagued with a selfish demeanor and decision making regarding exactly what makes the cut when they start cutting expenses at the core.
You love your cell phone and won't budge on that data plan.

Your cable television is non-negotiable in your eyes; you want your movie channels and all seven versions of ESPN.

That wardrobe that you continue to add to, as you see it, helps further your career and give you a professional look every time you head to the office. At a closer glance you start to see that your closet has less work clothes and more instead for play.

As much as you love all of the aforementioned items and services, you don't necessarily have to bid them farewell completely but rather stop overspending.

Cell phone plans and cable bills rank as some of the more ridiculously priced services. Your best bet is to bundle the plan, even if you don't use all of the services. While that advice might sound counterproductive, consider cable specifically.

Adding phone and internet to your television greatly reduces the monthly charge, even if you don't plan on using that old, boring land line.

In addition to cable and cell phone plans, you might want to stop overspending on things like clothing, and restaurant food as well as something as necessary and simple as medicine. Online pharmacies work wonders with not only generic alternatives but also free shipping and being able to buy in bulk at a cheaper per pill or order rate. Your time when it comes to prescriptions also is valuable so waiting in line no longer takes you away from other important things to do.

Clothing is an easy fix, simply buying in the off season saves you between 50 and 70 percent off, and once you've done that for a few years you'll have quite the stunning selection in place. Sweaters in the summer and bathing suits in the fall make for an easy way to stockpile what you need without spending twice as much on those horrific markups with clothing.

Finally, restaurant food is terribly overpriced but the real element of dining out isn't so much ordering the expensive food but the frequency and reasoning behind each restaurant visit. A lot of dining out is more social and chatting with friends beyond just the act of eating.

Instead, eat before you head to the restaurant and order a small appetizer and modest drink.

That mentality with food and the other items doesn't deprive you of what you want but rather preaches moderation over excess with the same result: getting what you want without the overspending.

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