My financial advisor suggested that I splurge and treat myself. “Financial advisor” is how I sometimes jokingly refer to my sibling who helps me navigate various “grown-up” activities, such as buying a house. Despite the facetious title, his being an advisor on financial matters isn’t a joke. Without him, I would have been at a loss as to find a house let alone buy it. I wouldn’t have had any furniture. And I especially wouldn’t have a clue how to do any of the various chores necessary to keep up the house.
My advisor knows what a tight budget I am on, so his “treat suggestion” came as a bit of a surprise. Still, it’s not a bad idea, perhaps even good for my morale. Many women seem to find satisfaction in treating themselves to a new pair of “cute” shoes, but that whole “cute shoe” gene seems to have passed me by. I do have a few pairs of shoes, all comfortable utilitarian types, such as walking shoes or hiking boots, or slip-ons to wear to go out and check the mail. I even have a couple of pairs of black sneakers (for lack of a better term) that I can use if I want to appear less casual. Whenever I get a ride to a big city, I make sure to stop by a sporting goods store to stock up on a couple more pairs of cheap shoes because I never know when I’ll get another opportunity to shop. It’s a good thing, too. When I get home and actually wear the shoes, sometimes they are too big, in which case I set them aside for gardening shoes. Or they’re too small, in which case I only wear them when I drive to do errands. Those that are “just right” I put in my shoe rotation. (I find it’s easier on my feet if I don’t wear the same pair of shoes all the time.)
But a new pair of basic running around shoes is neither a splurge or a treat. It’s more a matter of opportunity.
My diet is fairly basic, mostly real foods, though I do occasionally go to lunch with a friend, which is a treat but not a splurge. It’s more of a necessity, both the company and a meal that is different from what I normally eat. And anyway, it’s in my budget.
If I could find books for my personal library that I would like to read and reread, I’d snap them up in a second (budget or no budget!), but most books aren’t worth reading once let alone twice, and any book that I don’t plan on reading (or reading again) becomes . . . clutter.
I don’t wear all the clothes I have now, so getting something new wouldn’t really be a treat. Mostly I wear old things around the house, depending more on comfort and warmth (or coolth in the summer) than fashion. I don’t even feel bad about not looking my best because I don’t look at myself — I look at what I’m doing. If I go out somewhere, errands or to that occasional lunch, I wear something nice, and I have plenty of “something nice” to wear. Besides, whatever I wear is covered by a coat for half the year, so it doesn’t really matter.
I used to splurge on hats, but I’ve reached a critical mass on headgear. I certainly don’t need more hats!
I have plenty of kitchenware, all the furniture I want, all the . . . I guess, for the most part, I have everything I want. I am by myself and don’t wear things out very quickly. The only thing I might have to get one of these days is a new computer. Although it still seems to me to be rather new, at a little more than seven years, it’s old in computer terms. But that won’t be a splurge. It’s already budgeted for.
Come late spring, of course, I will splurge, might even treat myself to a few expensive plants that I might not otherwise have bothered with, but planting season is still months away.
Until then . . . I don’t know. I suppose it’s a treat thinking about something to splurge on, but for now I’ll stick to my frugal ways.
What would you splurge on?
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Pat Bertram is the author of Grief: The Inside Story – A Guide to Surviving the Loss of a Loved One.
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