What do you consider a vice? Smoking, drinking, travel, buying shoes, investing in tech gadgets or going on vacation? We all have them, and some of them are not as visible as others. I, personally, have an unhealthy passion for travel, and shoes, oh, and cheesecake (as seen here, and here, and here). We can’t forget cheesecake. (Although, I like to think of that as an indulgence rather than a vice, but still). I don’t smoke, rarely, if ever, drink (Fincon being the exception) but that doesn’t mean that I have a firm grasp over where most of my spending money goes.
While most people can tell you what they spent on car insurance, or gas last month, they have a hard time coming up with a concrete answer for their vice spending. It’s not because they are spending an astronomical amount, it’s because they just have no idea or self control with it comes to it.
Take me for an example, I get very trigger happy when I see shoes I love, or all inclusive vacations, and being able to work from home, I normally pack up my things and go.
Now, that doesn’t sound like a way to deal with vices, does it? Here are some tips that I’ve picked up:
Make a category in your budget for things that you’re bound to impulse shop for: I have a fun category and a travel one. I also save money from other parts of my budget to put in it.
Look for a discount: I know I said that it was impulse shopping, but either ask for a discount so see if you can find the same thing elsewhere. All inclusive vacations are different as they come. As long as you’re not picky, and can settle on a beach anywhere, you can generally find some cheap ones.
Find alternatives: As a cheesecake lover, I understand that buying excessive quantities of cream cheese can add up, but just like e-cigarettes are valid and cheaper option for smokers, add a bit of ricotta or sour cream is a option for cheesecake fanatics, and it has less calories to boot! There is an substitute for everything as long as you’re willing to try it.