It’s good for your mental and emotional health to spoil yourself every once in a while, but it’s also important to be financially responsible and hold off on buying expensive luxuries if you can’t afford them. This is especially true if you’re in debt – the temporary happiness you will get from indulging in a pricey purchase is just not worth it.

Luckily, there are plenty of inexpensive, and even free, ways to treat yourself until you are financially stable enough to enjoy a shopping spree…

1. Bake Instead of Buying

We all love a good sweet (or savoury) treat, but the bills can really add up if you’re grabbing a snack off of the shelves every other day. Rather than spending R20 on a bag of chips or a slab of chocolate, buy some flour, sugar, eggs and other cheap baking ingredients. You’ll be able to get way more value for money (one bag of flour can make many, many muffins) and you’ll get to enjoy delicious, home-baked treats. You may even find that you really enjoy baking, and you can even turn it into a little business!

2. Rearrange Your Space

There is something so refreshing about giving your living space a makeover – scrubbing everything clean and playing around with some interior design just has a way of making life seem a little more exciting. This is also a good compromise if you’re tempted to splurge on fancy décor items.

3. Enjoy Some DIY Spa Treatments

There are literally thousands of recipes online for DIY hair treatments, face masks and body scrubs that you can make with ingredients that are sitting in your fridge or pantry. So, do some digging and pamper yourself with an at-home spa day!

4. Make the Ordinary Extraordinary

You don’t have to break the bank to enjoy a special occasion – re-purpose those load-shedding candles for a fancy but cheap candle-lit dinner, get all dressed up just to go pick up groceries, pick some wild flowers for your home. Little things that make your day special can really help to lift your mood if you’re feeling down about your debt.

5. Get Thrifty Threads

Instead of buying some expensive new items for your wardrobe, check out thrift stores (there are plenty of second-hand / thrift Instagram accounts for lockdown-friendly shopping) or, better yet, do a clothes exchange with your friends! You can choose to either borrow from each other, or even permanently swap clothes.

While it’s easier to simply spend some money for an item or experience, learning how to create your own indulgence and appreciate the little things will go a long way. Plus, this is something that you can carry with you for when you are out of debt, and it is sure to help you with money management.

However, we do want to get you to the stage where you can spoil yourself without the worrying – fill out our contact form, we’ll give you a call, and we’ll work together to get you debt-free in 60 months or less.

Get in touch to treat yourself better

Representative Example
Loan Repayments are full of variables and things such as rates and once-off initiation fees. These vary depending on your individual credit profile. The terms of the repayment period can range anywhere from three months to a maximum of 6 years, with varying Interest rates from creditor to creditor up to a maximum of 28% per annum (compounded monthly).

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