Saving money by living frugally fills some folks with pride. But there are times when spending is not only justifiable but absolutely necessary.
No matter how determined you are to build wealth, you shouldn't feel bad about spending money on items that contribute to your health, wellness, and overall happiness.
Here are 15 items you should spend money on without feeling guilty.
If you’re over 50, take advantage of massive discounts and financial resources
Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on things like travel, meal deliveries, eyeglasses, prescriptions that aren’t covered by insurance and more.
How to become a member today:
- Go here, select your free gift, and click “Join Today”
- Create your account (important!) by answering a few simple questions
- Start enjoying your discounts and perks!
Important: Start your membership by creating an account here and filling in all of the information (Do not skip this step!) Doing so will allow you to take up 25% off your AARP membership, making it just $12 per year with auto-renewal.
We spend much of our lives in bed, and high-quality bedding that encourages good sleep can be life-changing.
Sleep deprivation is linked to several chronic health issues, so purchasing the right bedclothes, a quality mattress, and comfortable bedding is money well spent.
Our world relies on technology. A slow, sluggish computer can be unreliable and waste precious time — especially if you rely on it for work or school.
Investing in a dependable machine is worth every penny, particularly if your grades or income are tied to your computer.
Warm winter coat
The phrase “buy it nice or buy it twice” applies here. Those who have spent money on a nice winter coat know the difference quality makes.
With a warm winter coat, you can ski the slopes or simply enjoy walking through a winter wonderland more comfortably. A quality winter coat may initially set you back, but it will pay dividends over time.
Resolve $10,000 or more of your debt
Credit card debt is suffocating. It constantly weighs on your mind and controls every choice you make. You can end up emotionally and even physically drained from it. And even though you make regular payments, it feels like you can never make any progress because of the interest.
National Debt Relief could help you resolve your credit card debt with an affordable plan that works for you. Just tell them your situation, then find out your debt relief options.
How to get National Debt Relief to help you resolve your debt: Sign up for a free debt assessment here. (Do not skip this step!) By signing up for a free assessment, National Debt Relief can assist you in settling your debt, but only if you schedule the assessment.
Few things are worse — or more inconvenient — than getting stuck on the side of the road with a broken-down car.
Save yourself the tow-truck bill and get your car fixed as soon as you hear that rattling sound or spot some leaking fluid. Having reliable transportation is never something to feel guilty about, even if you have to pay for it.
Going to the doctor
Your health should be a top priority. Putting off a trip to the doctor can allow minor health concerns to fester and become bigger issues, requiring you to spend even more money.
So, don’t put your health at risk to save a few bucks.
Travel offers culture, unforgettable memories, and an opportunity to see outside ourselves. In fact, most of us only regret the trips we don’t take.
Ditch the guilt about taking a well-earned vacation or that once-in-a-lifetime trip.
Whatever your interests — movies, video games, knitting, or baking — hobbies can add to your quality of life.
Include a line item in your budget for your passions and interests. Putting cash toward hobbies that bring you joy is a smart way to spend your cash.
Cheap headphones often don’t last, so spending more on these items is wise.
Comfortable, quality headphones can make all the difference when drowning out distractions and increasing your productivity.
Buying fresh whole foods is worth the additional expense. Including nutrient-dense foods in your diet will improve your overall health.
Your body will thank you for feeding it quality food. The payoff can be better skin, a boosted mood, and a robust immune system.
Earn cash back on everyday purchases with this rare account
Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!1
With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!
This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.
Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.
You don’t have to make millions to support your favorite causes. Giving to others triggers your brain’s feel-good chemicals, increasing your sense of peace.
Give back to your community and support your favorite causes guilt-free.
Exercise isn’t just about your physical health. Regular exercise can boost your mood and energy levels.
A gym membership can help encourage you to move your body regularly. Taking care of your physical and mental health is always a wise investment.
Spending money on good shoes is a step in the right direction. Well-made shoes offer lasting comfort and protection from injury and the elements.
A good pair of shoes will last you years, especially if you find a cobbler who can help with replacing soles or heels.
Life, health, auto, homeowners, and renters' insurance protects you and your assets. Without insurance, you are playing a game of chance.
Even if you never make a claim on your insurance, you can sleep well at night knowing you're covered.
Education includes traditional colleges and universities, of course. But it also encompasses books, workshops, and spending time with mentors, coaches and trainers.
Bettering yourself can increase access to jobs and opportunities. Anything that contributes to your personal growth and well-being is an investment in yourself of which you should be proud, even if you have to pay for it.
Spending extra money for laundry service or grocery delivery might make you feel a bit guilty paying for something you could do yourself. However, outsourcing these mundane tasks can free up your precious time so you can spend it on more important pursuits.
While it’s great to try to save on everyday essentials in any way you can, it’s also important to put a value on your time.
Trying to be frugal so you can get ahead financially doesn’t mean you should never spend money. Even penny pinchers recognize that there are times and places to fork over some cash.
Whether you are focusing on health, wellness, or overall comfort, don’t be ashamed about taking care of yourself.