{"id":174,"date":"2020-09-02T13:00:00","date_gmt":"2020-09-02T13:00:00","guid":{"rendered":"https:\/\/moneywithkatie.com\/how-to-budget-for-discretionary-fun-stuff\/"},"modified":"2025-08-29T16:23:58","modified_gmt":"2025-08-29T16:23:58","slug":"how-to-budget-for-discretionary-fun-stuff","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/how-to-budget-for-discretionary-fun-stuff\/","title":{"rendered":"How to Budget Your Fun Money [2025]"},"content":{"rendered":"

\"\"\/<\/p>\n

\n

I once read that linking to a bunch of different articles in a post was the cardinal sin of online media, so I apologize for what I\u2019m about to do \u2013 but if you haven\u2019t yet, read How to Start Building Your Emergency Fund<\/a> as a baseline for this post.<\/p>\n

This post isn\u2019t intended to be the end-all, be-all guide to proper budgeting (How Much Does Your Life Cost?<\/a> can probably help more with that). Instead, it\u2019ll cover how you budget for the stuff that is infuriatingly hard to budget for. <\/p>\n

You know what I\u2019m talking about: Everyone\u2019s fun stuff usually falls into the same few categories. Travel, dining out, shopping, expensive boutique exercise classes that require flying to other cities to attend (just me?), shows, and otherwise non-essential-for-life-but-essential-for-sanity expenditures that can leave you cringing as you try to reconcile the budget you set with the best of intentions on the first of the month with the credit card bill that comes at the end of the month. <\/p>\n

First things first<\/h4>\n

If you skip this step, everything that comes after it will be useless to you. Seriously: Do this first.<\/p>\n

We need to get clear on what your Big Four<\/strong> are going to be. The Big Four are the broad discretionary categories you\u2019re going to commit to, and I\u2019ve chosen four for a few reasons:<\/p>\n

    \n
  1. \n

    Big Four just sounded cool.<\/p>\n<\/li>\n

  2. \n

    Isolating four things that give you joy when you spend money on them<\/strong> allows you enough freedom to explore new things without devolving into a spend-happy free-for-all.<\/p>\n<\/li>\n<\/ol>\n

    If I told you to just make a list of every single thing you could possibly buy for fun, your budget would turn into a run-on expensive sentence. We don\u2019t want that.<\/p>\n

    My big four<\/h4>\n

    My big four are (can you guess based on the examples given above?) travel, dining out, entertainment, and (you ready for this one?) miscellaneous. <\/p>\n

    \u201cMiscellaneous\u201d was an addition to a more evolved version of my budget \u2013 the result of several months in a row where I found myself saying the same thing. \u201cYeah, I had to pay $200 this month for [insert surprisingly common yet still unexpected expense here]<\/em>, but that\u2019s normal. I\u2019ll just\u2026 write it off.\u201d And I\u2019d attempt to play fiscal Jenga with the charge. <\/p>\n

    Finally, I accepted that life has a funny way of almost-always introducing unexpected line items to your Copilot transactions list every month. <\/p>\n

    One of the most fun and alluring leisures I could think to provide myself was the leeway to have a place to store my junk drawer expenses that were unavoidable and otherwise un-categorizable. Last month it was a new tire (thank you, potholes). This month it was a slew of new apartment expenses. Who knows what next month will bring?<\/p>\n

    Before you get into the high-level categories, I\u2019ll take this opportunity to shamelessly plug that if you\u2019re striving for a goal savings rate, the Wealth Planner<\/a> will help you back into a reasonable \u201cDiscretionary\u201d income target. <\/p>\n

    How much should you be shuffling to discretionary stuff every month?<\/h4>\n

    The short answer is, it depends. (Ugh, so annoying \u2013 I know.)<\/p>\n

    Here\u2019s why it depends: the immediacy and urgency of your present financial situation will almost certainly determine how much you can comfortably piss away on trips to Mexico and DoorDash Waffle House. Let\u2019s generalize a few scenarios so you can get a sense for what I mean:<\/p>\n

    The financial all-star: 25%<\/strong><\/p>\n

    This person has no credit card debt, a fully funded emergency fund ($12,000 – $18,000 in savings, or more), is contributing at least 10% to their 401(k), and investing in their IRAs and general investing accounts at a moderate pace. This person can probably get away with 25% of their income going toward bullshit. <\/p>\n

    \n

    There is no hard and fast rule here.<\/em> I\u2019m probably on the slightly more conservative side of the spectrum, financially, but I\u2019m definitely not as frugal as those in pursuit of true financial independence who save 80% of their take-home pay. <\/p>\n

    I\u2019m all about guilt-free spending money<\/strong>, and to me, I\u2019d (ideally) like to be saving and investing more than I\u2019m spending on $65 virtual wellness seminars and $7 coffee with names like \u201cJet Fuel.\u201d <\/p>\n<\/blockquote>\n

    The \u201ccruising altitude\u201d saver: 20%<\/strong><\/p>\n

    This person is actively contributing to a growing emergency fund, has little to no debt, and has begun contributing to their 401(k) up to the company match. For someone like this, I\u2019d say you have to reign in the discretionary horses a little and keep prioritizing the behavior that\u2019s going to skyrocket you to all-star status. You probably don\u2019t want to exceed 20% of your take-home pay going toward fun stuff. Let\u2019s look at a fake breakdown:<\/p>\n

    Monthly take-home pay: $5,000<\/p>\n

    Emergency fund contribution: 15%, or $750<\/p>\n

    401(k) contribution: 8%, or $400<\/p>\n

    Fun stuff allotment: 20%, or $1,000<\/p>\n

    Notice how the combination of your savings and 401(k) contributions still outpaces your fun money? <\/em><\/p>\n

    This leaves $2,850 for living expenses.<\/p>\n

    The catcher-upper: 10%<\/strong><\/p>\n

    Decisions in your past may have put you in a position to be digging yourself out of a bit of a hole, Stanley Yelnats-style. This means it\u2019s just going to take a little bit of discipline and sacrifice to get you back to baseline. \u201cWell, well, well \u2013 if it isn\u2019t the consequences of my own actions.\u201d <\/em>This person may have little to no savings, some (or a lot of) high-interest debt, and isn\u2019t contributing to a 401(k).<\/p>\n

    We\u2019ll reverse-engineer your budget because the bottom line is this: The needs of Future You are far more dire than your need for another to-go order from Sweetgreen.<\/p>\n

    This is what we call living \u201cclose to the edge,\u201d because one big, unexpected expense could be the difference between getting by and falling off the fiscal cliff. <\/p>\n

    Here\u2019s the good news:<\/em> I promise the assurance and security of putting in the work to set up base camp several hundred yards away from the edge will feel infinitely better than a lifetime supply of whatever got you into credit card debt in the first place.<\/p>\n

    The How Much Does Your Life Cost?<\/a> article addresses how to start paying off debt, but I\u2019m beginning to think that topic probably warrants its own piece \u2013 stay tuned. Other than that, your order of priorities are:<\/p>\n

      \n
    1. \n

      Emergency fund in tandem with credit card debt<\/p>\n<\/li>\n

    2. \n

      401(k) <\/p>\n<\/li>\n

    3. \n

      Other investing<\/p>\n<\/li>\n<\/ol>\n

      This means I\u2019d be shoveling as much as humanly possible every month toward priority #1 until you take a few steps back from the cliff. I wouldn\u2019t suggest spending any more than 10% of your income every month on fun stuff. <\/p>\n

      \n

      If you make $3,500 per month, that means $350 is your budget for whatever you want and the rest of your dollars need a more noble job.<\/p>\n<\/blockquote>\n

      It\u2019s temporary, I promise \u2013 but we need to get you out of the hole first.<\/p>\n

      Now that you know how much you can set aside, how do you plan for \u201cwants\u201d?<\/h4>\n

      In one word: Annualization<\/strong>.<\/p>\n

      Not every discretionary budget needs to be viewed on an annual basis, but for the inconsistent ones, this can be a handy trick. <\/p>\n

      Your \u201cDining Out\u201d budget can probably be considered on a monthly cadence: Let\u2019s say you\u2019ve decided $500 of your hard-earned monthly income is earmarked for $8 vodka sodas and $12 party platters of things like fried jalape\u00f1os and otherwise batter- and cheese-covered kitchen oddities. <\/p>\n

      $500\/mo. breaks down to approximately $115 per week, and if you mostly eat out on the weekends, you can consider it $57 for Friday and $57 for Saturday. That\u2019s a pretty slick transition from an amorphous monthly amount to a more tangible idea: You probably know what $57 at a restaurant or bar will get you. <\/p>\n

      (This is the part where people are either like, \u201cOh yeah, easy!\u201d or, \u201cOh shit, I spend $100 at dinner and drinks every single time I go out.\u201d Now\u2019s the time to ask yourself which category, the former or the latter, your income directs you toward.)<\/em><\/p>\n

      But what about categories like Travel and Home Improvement? <\/p>\n

      A $300 monthly travel budget or a $200 monthly home improvement allotment might be harder to conceptualize. After all, if you\u2019re not entrenched in the travel rewards world, you can easily spend $300 on a single round-trip ticket (if you\u2019d like to become<\/em> entrenched in travel rewards and sit proudly atop a mountain of points, I direct you here<\/a>). <\/p>\n

      You can think of your more inconsistent discretionary budgets on an annual basis. This way, the $300\/mo. travel budget becomes $3,600 per year. If you want to take two major trips, you can think of it like $1,800 per trip. Or if you\u2019re on a quarterly travel cadence, $900 for each of four trips. These numbers feel a little more aligned with travel expenses, but the \u201c$300\/mo.\u201d framework still allows you to conceptualize what percentage of your take-home pay every month you\u2019re setting aside for globetrotting.<\/p>\n

      Scaling up or scaling down<\/h4>\n

      The TL;DR explanation for this is simply scale<\/strong>. It\u2019s easier for us to wrap our heads around the idea of spending $300 per month on travel than it is to accept dropping $1,800 on two different trips, but if you\u2019re setting aside that $300 every month, the money will be there for you when it\u2019s time to use it. <\/p>\n

      I like to use something called \u201crollover budgets\u201d to make that possible \u2013 every month, the unused money in any given discretionary category rolls forward<\/em> to the next month. After a few months of low to no spending, you\u2019re sitting on $1,200 in an unused travel budget, just begging to be guiltlessly squandered on a Main Cabin seat to Amsterdam (yes, Main Cabin, not Economy, because you\u2019re a rich bitch now who benefits from money management and accrual of unspent funds).<\/p>\n

      In our dining example, we scaled down: We took a big number in the context of dining out ($500\/mo.) and broke it down into a per-Friday or per-Saturday amount to guide us a little more clearly.<\/p>\n

      Of course, the fine print of these suggestions is that you\u2019re more than welcome to go on one trip per month, spending $300 every time, or to go to two fabulous meals per month and drop $250 each \u2013 you don\u2019t have<\/em> to alternately let all your monthly budgets accumulate or disperse them evenly throughout the month. It\u2019s up to you, and your behavior will probably change month-to-month, too. <\/p>\n

      But this scalability is (usually) the reason fun-budgeting is so difficult for most of us with human brains \u2013 it\u2019s difficult to be told your limit is $500 then naturally spend it at a moderately paced clip throughout the month without some sort of scaled-down representation of what that looks like in practice (e.g., $120ish per weekend).<\/p>\n

      In summary<\/h4>\n
        \n
      1. \n

        Decide on your Big Four.<\/p>\n<\/li>\n

      2. \n

        Look at your take-home pay and assign yourself into one of the three categories above, then multiply by 25%, 20%, or 10% accordingly. Wiggle room is welcome \u2013 but use your best judgment.<\/p>\n<\/li>\n

      3. \n

        That figure (25%, 20% or 10% of your take-home pay) is your fun money budget to be dispersed as you see fit across your Big Four. Nothing is set in stone, so if you aggressively overshoot or undershoot a particular category, you can always adjust later.<\/p>\n<\/li>\n

      4. \n

        Decide which budgets need to be scaled down and which need to be scaled up. Here\u2019s a rough guide:<\/p>\n<\/li>\n<\/ol>\n

        Scaled-down budgets (e.g., break down monthly into weekly or daily, depending on how often you purchase)<\/strong><\/p>\n

          \n
        • \n

          Dining out<\/p>\n<\/li>\n

        • \n

          Entertainment<\/p>\n<\/li>\n

        • \n

          Miscellaneous<\/p>\n<\/li>\n

        • \n

          Gym\/exercise\/wellness<\/p>\n<\/li>\n<\/ul>\n

          Scaled-up budgets (e.g., you may want to combine several months of budget together to more accurately reflect how you spend in these categories)<\/strong><\/p>\n

            \n
          • \n

            Travel<\/p>\n<\/li>\n

          • \n

            Home improvement<\/p>\n<\/li>\n

          • \n

            Shopping<\/p>\n<\/li>\n<\/ul>\n

            I wish you sincerely joyful spending.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

            I once read that linking to a bunch of different articles in a post was the cardinal sin of online media, so I apologize for what I\u2019m about to do \u2013 but if you haven\u2019t yet, read How to Start Building Your Emergency Fund as a baseline for this post. This post isn\u2019t intended to be […]<\/p>\n","protected":false},"author":178814,"featured_media":2446,"comment_status":"closed","ping_status":"open","sticky":false,"template":"si-template-single-post-everyday-spending-and-budgeting.php","format":"standard","meta":{"footnotes":""},"categories":[37,36],"tags":[45,59],"class_list":["post-174","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-independence","category-spending-and-saving","tag-everyday-spending-and-budgeting","tag-popular-everyday-spending-and-budgeting"],"yoast_head":"\nHow to Budget Your Fun Money [2025] - Money with Katie<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneywithkatie.com\/how-to-budget-for-discretionary-fun-stuff\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Budget Your Fun Money [2025] - Money with Katie\" \/>\n<meta property=\"og:description\" content=\"I once read that linking to a bunch of different articles in a post was the cardinal sin of online media, so I apologize for what I\u2019m about to do \u2013 but if you haven\u2019t yet, read How to Start Building Your Emergency Fund as a baseline for this post. 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