What do you make room for in your budget? If you are a serious baseball fan and decide to get season tickets that’s one way of spending your money. What if you would rather be able to enjoy your money a little at a time by going out to dinner a couple of times a month instead? Both cost about the same amount of money.

It all depends on what is important to you. Each person has a comfort level as to what they want to spend and how they spend. If you are not going into debt and have some cushion for the future then who should care what you spend your money on? Two hundred dollars a month, could be saved up over a year or so for a great vacation; or could be spent several days a week on a muffin and cappuccino – it’s how you prioritize.

Reallocating your discretionary funds is for you to decide. Saving and spending money in a chunk or spending it in dribs and drabs equals the same amount. Enjoying something special may give you a different perspective and gives you a goal to work toward.

Conversely, charging your morning coffee or big splurge without having the money to pay for it, really busts your budget. What I can live without may not appeal to another person, whereas something I absolutely need to keep my sanity wouldn’t cause another person to bat an eyelash. It’s all about finding your financial center, if you will. A year’s worth of meals in a nice restaurant could definitely pay for a vacation, but if you are too busy to get away or can’t arrange of time off with your loved ones, having a meal together is a way of connecting.

Budgeting fun and entertainment on whatever scale you choose is necessary. If you have a small budget – your splurge may be buying a name brand item or ordering pizza. Sounds cool… delay that gratification for a couple of months and you could go out and eat at the pizza place or other restaurant. It has to do with your money style and personal spending.