...treat yourself to something that you can make or borrow or otherwise afford. This doesn't mean that you always have to make the most responsible decision; you don't need to put every spare cent into your retirement fund. It does mean being conscious of your spending. It means the little impulsive addition to your Amazon cart (that you don't really need) should maybe be removed or "saved for later". I find that a good way to treat myself that doesn't cost much money is doing small things I wouldn't normally do: for example, taking a bubble bath or going to a yoga class. I also recommend keeping a separate savings account for anything requiring money that you really care about: in my case, travel. I put a few bucks into my travel fund here and there (especially any unexpected money, like a travel stipend from work), so when there is enough in there I am able to take a guiltless, responsible vacation.
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