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PAMPER YOURSELF WITH A SPA DAY
Stress can cause serious havoc on your body by weakening your immune system and increasing your blood pressure. Relax. Massages are excellent stress-busters. Do your homework before booking a spa treatment. Many spas, feeling the pinch of the market downturn, are pitching specials. This summer, for example, the Elizabeth Arden Red Door spas offered 20 percent if you referred a friend to the spa or salon.
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THAT COVETED BIG-TICKET ITEM
Just. This. Once. And it shouldn’t be an impulse buy, either. If you’ve been eyeing a special item for months — a new watch, that West Elm sectional — get it! When you actually factor the pricey purchase into your budget, you can make it work. There will be trade-offs. Perhaps that’s the month you cut back on eating out or take a rain check on seeing your favorite band in concert.
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DONATE TO CHARITY
For many people, charity is usually last on the list (or doesn’t even make the cut) when figuring out your monthly expenses. But whether you sponsor a friend running a 10K for a cause or donate annually to an organization you support, feel good about giving your money away.
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THE WELL-DESERVED GETAWAY
Your health depends on it. Women who take at least two vacations a year are nearly eight times less likely to develop coronary heart disease than women who only took one vacation every six years, according to a recent Framingham Heart Study that surveyed women over a 20-year period. While staycations are all the rage in this ailing economy, you owe it to yourself to really get away for some R&R.
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TAKE OUT A LOAN — TO BUY YOUR FIRST HOME
Making the move from renter to homeowner is no doubt a daunting prospect with an enormous price tag that can’t be paid off quickly. Expect to revise your monthly budget — it won’t be the same after the down payment. But home ownership is believed to be one of the best and most dependable financial assets you can acquire in your lifetime.
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