Fact: A good shower over and over again is one of life’s greatest pleasures. Whether it’s a shiny new pair of shoes, your artsy coffee drink of choice, or the essential tech gadget of the moment, we all deserve to treat ourselves from time to time.
Occasional leisure probably won’t hurt your long-term savings goals, but if you regularly catch yourself overspending, it can cut into what you can afford for the future. It’s worth giving your finances a periodic checkup to see if it makes sense to reduce your spending in certain areas. That doesn’t mean giving up on your avocado toast (or whatever your avocado toast equivalent is). It simply means fitting these things into your budget thoughtfully, keeping your long-term goals in mind. These questions can help you identify and celebrate your savings potential—and narrow down areas where there may be room for improvement.