I love that each new year comes with a new chance for goals, resolutions, and planning. But no matter how many resolutions you set or how many plans you make, the year never goes exactly how you imagined it. Johnny and I have managed to stay on track financially, but we haven’t done it the way we’d envisioned.
It seems like any mention of “splurging” is accompanied by a sense of guilt. But the beauty of personal finance is that you can splurge without an ounce of guilt if you just spend less than you planned in other areas of your budget. And that’s kind of what 2014 has been like for us. So without further unnecessary rambling from yours truly, here’s where we’ve splurged and then made up for it in our budget so far this year:
Splurged: Rock Climbing
Utah is a bit of a wintery beast between the months of January and April. So to help remedy that, we decided to take a rock climbing class in March. Our class included a private instructor and a month of climbing at our local rock gym. And it was worth every penny (to us). Johnny’s always been into rock climbing, but I did it more as a way to get some baby-free time with Johnny outside of our living room. But then I ended up loving it, and did I mention that Utah has all of these amazing places to rock climb? We have a canyon with dozens of climbs just minutes from our front door. So using some of our own money as well as some gift cards, we invested in some rock climbing shoes, rope, harnesses, and other gear. The only problem? None of this was originally planned into our budget for 2014. And so…
This year we set aside a specific budget for clothing. But that all went to you-know-where when we started getting into rock climbing. If you’ll believe it, Johnny and I haven’t bought ourselves any clothes since Christmas. Okay, I did buy a new swimsuit, but that’s it. My closet is looking rather sad these days. But it was a trade off we were willing to make in order to buy all of our rock climbing gear. And come fall, I’m hoping our budget is feeling a bit more fashion-forward.
This year has been the year of short trips away. We’ve gone to Zion National Park once, Arches National Park twice, and now New York City. And we’re headed to DC in the next couple of weeks. They’ve all been relatively inexpensive, but we’ve gone on more than we’d planned. And we have at least a few more in mind before the end of the year. And so…
Guess who once again hasn’t planned a summer vacation? These guys! Time gets away from us, and our mini-getaways have cut into our vacation budget. We haven’t completely nixed a vacation, but if we do go on one, we’ll be spending less than we originally planned. But I can promise you this. No matter what, there will be sand and sun to be had this summer if it’s the last thing I do.
So with a little shifting around, our budget is still on track, just not how we’d originally planned. What about you? Have you had any guilt-free splurges in 2014?