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You can go out and splurge a little bit, he said Do it with savings. Don t go into debt for it. Credit card interest rates are creeping higher, with the average card charging over 16%. If you don t have a great credit score, you can easily be paying 20% to 25%, Rossman noted. If you do want to spend, do some legwork first to figure out a realistic amount. List your financial goals on a spreadsheet, including long-term ones like retirement savings, said Winnie Sun, co-founder and managing director of Sun Group Wealth Partners in Irvine, California. Once you have that financial goals list, start with a choice that isn t going to break the bank. Save a bit each week or month until you can pay for it.

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