You don't have to sacrifice happiness if you're frugal. Small pick-me-ups or indulgences can help you maintain your frugality without completely blowing your budget. You simply need to redefine luxuries. If you think about it, there are plenty of enjoyable low-cost splurges. Some can be impulsive, and others can be worked into your budget. But don't buy what you can't afford. It's the little joys in life that can re-energize you. An indulgence can encourage you to slow down and savor the moment. These indulgences can make your hard work in other areas easier to bear. You'll also be less likely to overindulge and overspend.
What frugal luxuries do you enjoy? Here are a few cheap treats to consider whenever you need a boost to help you stay on the frugal track.
READING MATERIAL: Sure, there are books and magazines free to read at the library, or you can share with family or friends, but treating yourself to a book or magazine of your choice and taking time to enjoy it at home is a simple mood enhancer. As a bonus, many magazines currently offer delicious budget recipes and useful coupons, and many books can be read to learn more and to use as a reference, inspiration or motivation later.
BEAUTY/PERSONAL-CARE ITEMS: Skin-care, hair-care and beauty items can be inexpensive ways to pamper yourself. If you've been a disciplined frugal shopper and buy a lot of store-brand items, a single splurge in one of these categories will feel special. It's amazing how much you can appreciate scented soaps, lotions, styling products or shower gels if you don't buy and use them all the time. But you don't have to fill your shopping cart with new products. Sarah in Massachusetts says: "I keep a box of free samples near the bathroom (shampoo, lotions, facial masks, etc.), and whenever I need a small treat, I just use one and enjoy some luxurious bath product that I would probably never spend money on for myself."
SWEETS: Candies or chocolates work their magic. One reader, K.J. in Ohio, shares: "I have hubby trained. It's known as medicine around here, and he's been known to walk through the door holding a bag out in front of him if he knows it's been one of those days."
DISCOUNT SHOPPING: Dollar stores, used bookstores, thrift stores and garage sales are places you can get a lot for a little money. Five to 10 bucks can buy a lot, and you won't feel deprived for a little spending money.
PAJAMAS: Sleeping comfortably is a good thing. Everyone should enjoy this indulgence.
CRAFTS: Creating and finishing projects is fulfilling. Most craft stores offer coupons regularly. Not only can this be satisfying; you can get a jump-start on making gifts or doing charity projects for the upcoming year, too.
COFFEE, TEA, COCOA: It's cheaper to make it at home, and you don't want to nickel-and-dime away your paycheck, but an occasional splurge on a specialty drink can be a reward for your hard work on your budget. Another reader, Liz in Canada, adds: "Having a good cup of tea can make even regular moments seem a bit more peaceful." Don't want to spend money on coffeehouse drinks? Splurge on flavored creamers or premium teas or tea accessories.
Sara Noel is the owner of Frugal Village (www.frugalvillage.com), a Web site that offers practical, money-saving strategies for everyday living. To send tips, comments or questions, write to Sara Noel, c/o United Media, 200 Madison Ave., 4th Floor, New York, NY 10016, or e-mail sara@frugalvillage.com.
