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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.

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

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