

“Some people need a budget to save; others need a budget to spend.”
My suggestion would be pick a % of your income to allocate as “fun money.” 5%, 10%, whatever; the most important part is you budget it. Stick it in its own savings account, then invest the rest. Then, whenever you have the opportunity to do fun things, spend extra on hobbies, help family, donate, etc, you know exactly how much you can spend.










Link to study + study’s conclusion infographic.
Looks like the group with the most benefit was the 2-3 8oz cups morning group, which would be 450g - 680g of coffee each morning, and they defined morning as 4am-11:59am.