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Orange County Credit Union provides a broad range of banking products and services like checking, savings, loans, and investments for every season of life. Through our blog, our aim is to equip readers with helpful advice that will enable them to reach financial goals.

The Importance of a “Fun” Fund


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The Importance of a “Fun” Fund

Sandra Diaz

Have you been wondering why your budget isn’t working out? Have you been cutting back on things you don’t need so you can pay off your credit cards but you’re feeling deprived? An answer to your situation could be that you may need a “fun” fund.

It’s money just for you. Spend it whenever and on whatever you want. It’s your chance to buy or do something without feeling guilty. Use it for those small indulgences – a  manicure, eating out, or movie tickets – that make you smile. Sounds good, right?

Sure, you say. But you’re thinking “How does that work if I’m already having trouble paying off debt or managing my budget?” Take a quick glance at your bank/credit card statements and you’ll probably notice that you’re spending some fun money now. 

The key is to be sure to include any entertainment funds in your budget. Call out an amount and stick to it. Without it, your budget loses its meaning. Remember, the truer to life your budget is the more likely it’ll work. It’s okay to have fun – you’ve worked hard for that money.

If you’ve been diligent about getting out of debt or saving for a large purchase, you know it takes perseverance and self-discipline. However, if you’re too rigid about not spending any money to have fun, you may start to feel stressed and overwhelmed. Having some “me” money can help prevent you from feeling deprived and swinging to the extreme of overspending. It can also curb small, impulse purchases – you’ll have a fixed spending allowance, so you’ll need to decide if that’s how you want to use your fun money.

To get your fun fund started, open up a separate account so it’s clear how much money you have to spend. Only you can decide how much money you can afford each month on entertainment. Keep in mind your fun money shouldn’t take away from your long-term goals – retirement, college savings, debt repayment, or a large purchase. Use this money for those everyday small luxuries that keep you happy while you’re working towards your money goals.   

It’s good to have fun – for you and your wallet!