Kim Palmer

And if we wasted anything, you know, he would say, like, that is just unacceptable because they weren't able to waste back then.

And so I think I just kind of internalize that.

And it definitely can make me feel guilty at times, but it definitely informed us how I think about resources and what we have.

Try to be appreciative of it.

We'll be back in a moment.

Stay with us.

Well, I think it really goes back to one of our all-time favorite tools at NerdWallet that we talk about a lot, the 50-30-20 budget, where basically you have 50% of your take-home pay going to needs, 30% to wants, and 20% to savings and debt payments.

And of course, those percentages are adjustable.

And for some people, it makes sense to do more of a 60-20-20 split or a 60-30-10 split.

You have to choose what works for you.

But

I just like the idea of having a ballpark for where your wants, needs, and savings are going.

And that way you do have a allotted amount that's for wants.

And that is where the fun items come from.

And so you don't have to feel guilty about it because it's built into your budget.

And at the same time, I think it helps just to think through some of your priorities or goals.

So maybe you want to pay off some high interest credit card debt or build up an emergency fund.

And just listing that out gives you a framework for what you're focusing on.

You feel like you have an action plan.

And then I think it's a little easier to let go of the guilt because you are making progress and you can feel good about those decisions.