How to spend money without feeling guilty

For a LONG time (and sometimes still now) I feel super guilty around spending my money.

I felt like I hadn’t earned the right to actually spend my money… it was a really bad mindset to have towards money.

If you have the same problem then here are some ways you can change your thoughts around money – read this blog. 

i feel so bad about it GIF by Saturday Night Live

So how did I help get rid of my money-guilt?

As simple as it sounds, I removed the guilt around spending by actually spending my money.

Hear me out here people…

Within my monthly budget, I started allocating a budget for ‘guilt-free spending‘. I set an amount of money from my paycheck for that month and then choose to spend that money in ANY WAY I like, (under the one condition that I feel no guilt when spending it).

I want to make sure I enjoy the purchase. I enjoy what I am spending my money on.

The amount of money I allocate would depend on my expenses for that month and how close to my saving goal I was (usually between £20 to £100 as a budget).

I can spend that money at any point within the month. And I did not allow myself to carry it over into the next month. If I had worked it into the budget then it HAD to be spent.

No way around it, I had to do it.

fierce amy poehler GIF

One time I spent that money on pens.

I found a pen that I loved (free gift from a goody bag). It was so heavenly to write with. I loved it SO much that I tracked it down on Amazon and that month I spent £20 on 10 pens.

And I spent that money completely guilt-free baby.

That was a year ago, I still have 6 of the pens and I still love them as much as the day I bought them.

You might be thinking “pssshhh what is £20? That is nothing”.

For me, it was not about the cost of the item. It was not about how much I was spending. It was more about the necessity of the purchase.

Most of the time, because I was obsessed with saving, I was talking myself out of multiple unnecessary purchase (which is great) but slowly overtime that attitude infiltrated every purchase I made and I was constantly riddled with feelings of money-guilt.

Before, I would have NEVER spent £20 on some pens. It seemed so ridiculous and decadent. But on this occasion it was a purchase with my guilt-free money and I saw how much it benefited my life and how happy it made me.

So simple but so effective because now I do not need the guilt-free budget.

Over time, I got used to enjoying that bit of guilt-free money that I was able to change my attitude towards money and assess sensibly what i should and shouldn’t be spending my money on. Times that it was okay to spend my money and NOT feel guilty.

ross geller love GIF

Happy guilt-free saving!

Laura xx

Author: Laura Moore

I am a 26-year-old living in London and currently learning how to live my absolute best life whilst still being financially stable… everyone’s dream right? That is the journey I am on and I learn something new every day, so I am documenting and sharing my experience. I want to show you how you can have fun and still have money, at the same time. It doesn’t have to be one or the other. My mission is to help you become financially free. After making a very last minute to decision to go travelling in 2015, with the money I had saved ready for Drama school, it was then that I realised the freedom that money can give you. I want to demystify money and help you all feel empowered by your finances. Talking about all aspects of saving, budgeting, clearing debt, investing (and many more), I am here to help you take control of your money.  

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