Let’s get one thing straight:
 You don’t need to stop spending money to build wealth.
 You need to start spending money with purpose.

We’ve worked with hundreds of high-achieving women—from founders to freelancers—who are bringing in good money but still feel guilt, chaos, or confusion around spending.

And the common theme? They’ve never given themselves permission to intentionally spend on joy.

That’s where a Fun Money Budget comes in. It’s one of the simplest shifts you can make to feel more in control—and more excited—about your financial life.

Here’s how to build a Fun Money plan that feels like freedom—not another rule.

What Fun Money Really Means

Fun Money = discretionary spending that’s 100% aligned with your values and desires.

It’s not random Amazon orders or emotional spending.
 It’s planned, intentional joy that’s baked into your budget.

💅 Weekly pedicure?
 🍷 Dinner with your girls?
 🎟️ Tickets to that concert you’ve been eyeing?

Yes, yes, and yes.

When you create space for fun money, you take the shame out of spending and bring balance into your financial goals.

Why It Works

Most budgets fail because they feel like punishment.
 But when your money plan includes space for pleasure, ease, and joy—you’re way more likely to stick to it.

Fun Money turns your budget into something that supports your lifestyle, instead of restricting it.

How to Create Your Fun Money Budget

Step 1: Look at the Big Picture

Review your last 1–2 months of discretionary spending. Total what you’ve spent on:

  • Going out
  • Shopping
  • Self-care
  • Hobbies
  • Travel or events

This isn’t to judge—just to notice. Awareness is power.

Step 2: Choose Your Monthly (or Weekly) Amount

Pick a number that feels exciting and sustainable.

Common starting points:

  • $200/month for someone building savings

  • $400/month for higher earners with flexibility

  • $100/week if you’re better with short-term tracking

✨ Bonus: Use a separate account or debit card to keep it clean and trackable.

Step 3: Make a “Hell Yes” List

Write down what lights you up:
 Massages? Boutique shopping? Solo brunch dates?

Fun Money isn’t a free-for-all—it’s a strategy.
 Your list keeps you spending intentionally vs. impulsively.

Step 4: Don’t Skip It

This is a budget line you don’t want to cut.
 If money’s tight, scale it down—but don’t delete it entirely.

Removing joy from your financial plan almost always leads to burnout, resentment, or binge-spending later. Trust us—we’ve seen it.

What It’s Not

  • Fun Money is not an excuse to ignore your bigger goals

  • It’s not the same as mindless spending

  • It’s not selfish

In fact, it’s one of the most powerful financial self-care practices you can adopt.

 

At PowHERhouse Money Coaching…

We help women create money systems that actually reflect their lives and values.
 From budgeting and investing to spending and saving, we believe your plan should work for you—not just look good on paper.

That includes making space for what you love—without guilt.

📞 Ready to design a budget that includes joy and financial growth?
 Call us at (716) 906-3155 or visit www.powherhousemoney.com to book your free clarity call.

Let’s build you a plan where wealth and fun can coexist beautifully.

 

About PowHERhouse Money

We equip ambitious women with the knowledge, strategies, and confidence to take control of their financial future. Whether you’re building wealth or scaling your business, our no-BS guidance and real-life solutions help you grow with clarity and purpose. Through education and coaching, we empower women to achieve financial freedom and truly live their best life.

Looking for specific advice and financial planning? Visit our sister company, Wilcox Financial Group: https://www.wilcoxfinancialgroup.com/