Monday, September 10, 2018

Luxuries I Won't Ditch | Finance 101

While I am focusing on saving money, I still want a good quality of life. It is important to enjoy the present moment, as long as you stay within your means. I have a few monthly expenses that I choose to keep even though they would save me some money for my savings account. 

Before jumping into these, I do want to mention: if any of these became out of my means, I would definitely drop them right away. Fortunately, I can make these work in my current budget and am still able to save an amount I'm comfortable with.

Here are the luxuries I can't give up:

Massage Envy: For the past four or five years, I've had a membership to Massage Envy. Each month I'm charged for one 60-minute massage, which never expires. Sometimes I skip a month and get a 90-minute massage the next month [luckily you can split up massages]. I find that knowing I have a massage available every month forces me to take some much-needed time for myself. Overall I've had a good experience. 

AMC Stubs A-List: This is one of the newest additions to my monthly treats. Joe and I used to have MoviePass [sadly a sinking ship]. We loved having access to tons of movies each month for one set price. We jumped on AMC Stubs A-List when MoviePass when downhill. We pay $20/month [plus tax] for up to three movies each week. We can reserve through their app in advance. We get points and discounts at concessions. We can also see any movie, on any screen, however many times we want.

Spotify Premium: After a cheap trial, I was hooked. I love being able to download songs, skip songs, and have access to tons of new music. It's part of my commute and work day now.

ClassPass: I used to get the 10 classes/month but fortunately, I have a gym in my office now - otherwise I would have stuck with that plan! I love the options ClassPass has to offer - especially in New York. While my membership is on "hold", I still get one class a month. I love trying out the fun boutique studios that I could never normally afford.

Pedicure/Manicure: Once a month I splurge on a powder dip manicure and regular pedicure. These aren't necessities and I normally break these services up between two visits but they mean a lot to me.  I like to treat myself to these small luxuries and feel pampered.

What are the luxuries you won't give up?

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