Five Ways to Treat Yourself Without Breaking the Bank

Five Ways to Treat Yourself Without Breaking the Bank

Finding ways to treat yourself while still remaining in control of your budget can be difficult, but is not an impossible task.

In fact, a little reward every now and then can help you to stay on track without breaking the bank, be sure to check out these five great tips.

Saving money can be a challenge. And sometimes, in the same way, when we restrict our food for a diet, that restriction leads to binge eating, or in the financial case, binge spending. This binge spending is hard to bounce back from and offsets all of your hard work.

But there are ways to treat yourself without overdoing it. When we allow for little rewards we actually become more focused on our goals and less likely to slip up. In fact, including treats within your budget will increase your chances of being more successful with your financial plans, here’s how you can do it. These tips will not only help you treat yourself because you deserve it, but will also help you save money.

Eat Out, But Eat Out Wisely

Brown bagging it instead of buying lunch every day can save you loads of money. But that doesn’t mean that you can’t reward yourself with the occasional trip out to eat. Here are a few ways that you can save money while still getting to eat out.

First, select a meal other than dinner, as dinner tends to be the most expensive meal of the day. Breakfast is considerably less expensive, as is a lunch buffet compared to a dinner one. Or you can even try eating before you go out and just treat yourself to a dessert or a specialty drink.

Another great tip is to look for online deals, such as half off meals or two-for-one deals. These can be found in many apps and can be specialized to deals in your area. Lastly, many restaurants have specialty nights, where a meal or drink is offered for a discount or they even have nights that children eat for free.

Related: How to eat out healthy and Inexpensively 


Drinks are one of the quickest ways to pamper yourself, especially after a long, hard day’s work. And it sure is tempting to just head on out to a bar or a club and throw back a few with your friends to decompress, but then it’s also expensive. Consider pre-drinking at home to save a bit on cost and then meet up with your friends.

If you are a big fancy coffee or tea drinker then you know how that cost adds up. It can be hard to give up your favorite latte, but if you still want to pamper yourself, try buying a specialty machine for your home. In the long run, you will find the savings more cost effective than buying that daily latte.

Related: Places offering discounted drinks on Cinco De Mayo 

Treat Yourself to a Me Day

Often when the weekend rolls around, we spend it running around doing things that don’t include what we really want to do. Taking the time to focus on the things that you love; a drop-in yoga class, a movie marathon, an afternoon of surfing the web in your PJs can go a long way to an inexpensive pamper session.

Whatever ways you feel will allow you to really reward yourself will help you to lower any stress that you may be feeling plus it will all help keep your budget in check. When we feel stressed in life, we tend to want to lower it by buying instant feel-good purchases, many of which we end up regretting. I promise you: you won’t regret a day focusing on you and your impulse to buy will thank you for it.

Take Advantage of Free Offers

It may take a little digging, being really observant, or downloading some specialty apps, but free offers do exist and should always be considered. The best way to treat yourself on a budget is to find those free deals that coincide with your interests.

They could be a free introductory baking class at your local grocery store, free online courses in creative writing or perhaps a robotics class at your local library. Many places are willing to offer their services for free the first time around, so it’s a great way to get a taste to see if something is worth spending your money on, plus have a good time.

Go Shopping…

… at your nearest dollar store, that is. There are some great items that can be found for cheap at these kinds of stores. From crafts to jewelry, bakeware to picture frames, and even cozy socks to spa-like products. Plus, many of them offer you ways to fill up your free time with fun activities, like baking or taking a bath.

There is something to be said about knowing that you can get so much for so little that is rather exciting and can appease your shopping habits while still allowing you to treat yourself. You can even look online for rebate deals if you prefer to shop online.

Ultimately, it’s about being creative with your budget and what you like to do that will allow you to reward yourself while still being kind to your financial budget.

Author’s Bio:

Danielle thrives on researching and writing on all aspects of life. Further to writing for Zumper blog and personal finance, she is an advocate of self-improvement and living a life that is both financially responsible and knowledgeable. When she is not on her computer, she can be found spending time with her husband and two sons.

About the Author

Michael launched Your Money Geek to make personal finance fun. He has worked in personal finance for over 20 years, helping families reduce taxes, increase their income, and save for retirement. Michael is passionate about personal finance, side hustles, and all things geeky.

Leave a Comment

Your email address will not be published. Required fields are marked *

Scroll to Top

Sharing is Caring

Help spread the word. You're awesome for doing it!