Reply to So when is it financially okay to splurge on the non necessities in life?

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Reply to "So when is it financially okay to splurge on the non necessities in life?"

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[quote=Anonymous]Agree that it's when you can afford it after you pay off your ACTUAL necessities and then for important extras.  Necessities to us are housing, electricity, water, healthcare, food, inexpensive but reliable transportation, childcare one cheap phone and in this day probably internet (though if times are tight libraries have internet) clothes when our kids grow.  Important extras are saving for retirement, college, emergency fund. To us then you can consider splurges like babysitting so you can go out (pretty impt for health of a marriage), cable, smartphone, highlights, pedicures, entertainment, cleaning service etc.

When deciding if you can add expenses you can do the math to see.  If you have to cut retirement to get a housekeeper you can't afford it in my mind.   I also agree with the poster who said somethings just dont seem worth it regardless.  For example, i have an old car that runs fine.  We can afford a new one but until i need it i dont see the point   On the other hand i would cut a number of our extras before our cleaning service because that gives me time with my kids on the weekends that I wouldn't have. [/quote]

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