What the Experts Say to Cut From Your Budget (But We See the Value In)
When it comes to budgeting, the experts are quick to tell us what we should cut. Cancel that Pilates membership. Ditch the nail appointments. No more weekend staycations or quarterly hair refreshes. But hold up… is that really the vibe?
Here’s the thing: yes, saving money is important, but so is living your life. If those little luxuries align with your values and bring you joy, why should you feel guilty about spending on them? Budgeting isn’t about depriving yourself; it’s about spending intentionally.
Let’s break down some so-called ‘unnecessary’ expenses that we believe are absolutely worth it.
1. Pilates or Fitness Memberships
Experts might say, “You could work out for free at home!” But if your Pilates studio makes you feel empowered, energized, and committed to your health, that’s priceless. Investing in your physical and mental wellbeing can reduce stress, improve productivity, and even save you on future healthcare costs. Girl math? That’s a win.
2. Regular Massages
Massage = luxury, right? Not always. For many of us, regular massages help with chronic pain, stress relief, and even mental clarity. If it’s part of your self-care routine and keeps you functioning at your best, that’s value. Budgeting for wellness isn’t indulgent, it’s smart.
3. Nail and Hair Appointments
The quarterly hair refresh or your bi-weekly nail appointment isn’t just about looking good (although, yes, we love that part too). It’s about self-expression, confidence, and sometimes, it’s even therapeutic. Plus, if it makes you feel polished and put-together for that big meeting or brunch date, we say it’s money well spent.
4. Staycations and Weekend Getaways
“Just stay home,” they say. But there’s nothing quite like checking into a hotel, ordering room service, and escaping your usual routine. A short trip can be just the mental reset you need without the cost of a big overseas holiday. Prioritising rest? Financially responsible and emotionally rejuvenating.
5. Coffee, Smoothies, and Lunch Dates
Could you make coffee at home? Sure. Would it taste the same as your favorite oat latte from the cute cafe down the road? Absolutely not. Sometimes, that little treat is what brightens your day or helps you break up the work-from-home grind. And if it’s factored into your budget? Enjoy it guilt-free.
It’s All About Value-Based Spending.
At the end of the day, budgeting isn’t about following blanket advice. It’s about understanding what adds value to your life. If Pilates, massages, or a monthly staycation brings you joy and fits within your financial plan, that’s a conscious choice, not a financial misstep.
The best budget is one that works for your goals and your happiness. So keep the hair appointment, enjoy that coffee date, and hit the Pilates studio. Your money should support the life you love. And that? That’s She’s on the Money approved.
Happy spending (guilt-free, of course)!
***Please remember our blogs aren’t intended as financial advice - they’re intended only as a starting point to give you a little extra info! For more in-depth advice catered to your personal financial position, please see a certified financial advisor.
