EP. 34 How To Balance Spending vs. Saving Money

[EP. 34] a sunny side up life podcast thumbnail.png

The hardest part of getting started in budgeting is deciding how much to spend and how much to either save or pay towards debt. It’s the age-old question in the budgeting world…and you’ve probably wondered the same thing!

I think we all can relate to the struggle behind wanting to spend because hey, we’re only human, but yet wanting to save because we know that those big goals aren’t going to fund themselves. So, how do we balance this? How do we move forward with our financial goals without completely depriving ourselves of all fun?

In this episode I’m sharing my very best tips for finding balance, learning to shop guilt-free, prioritizing savings, and continuing to enjoy your life along the way.


In this episode, I share about:

  • How to deal with the initial freak out feeling like you’ll never be able to spend money or have fun again if you’re living on a budget

  • How to work through your jealousy + contentment issues

  • How to learn to enjoy the little things in life

  • Why it’s so important to budget in fun money

  • Why I believe in guilt-free shopping while you’re on a budget

  • Suggestions for frugal family fun

  • Why completely cutting out your spending money could actually hurt you more than it could help you

  • Why saving/paying off debt still has to be the first priority

  • How saving money can become fun

  • How cutting back on the silly little things can add up to you living your big dreams

  • Why saving money is just as much about the present as it is about the future

Memorable Quotes:

“Balancing having fun and actually making progress on your financial goals, is a balance that we all struggle with.”

“I want you to budget in that fun money because I want you to enjoy your life.”

“Saving isn’t just for the future, it is also for the present.”

Resources Mentioned:

I'd love to hear from you...

Reviews are everything on iTunes!
Would you take a minute and click here to leave a review?

If you have a question or comment about this episode connect with me over on Facebook or Instagram

Gold line.jpg

Listen to every episode...

Gold line.jpg



Your Sunny Money Method   Full Budgeting Course

Your Sunny Money Method
Full Budgeting Course

Budgeting Starter Pack   Set of 14 Budgeting Worksheets

Budgeting Starter Pack
Set of 14 Budgeting Worksheets

Magic + Money    FREE 5-Week Email Course

Magic + Money
FREE 5-Week Email Course

Things I Love   All of my favorite resources

Things I Love
All of my favorite resources


I'm the wife to my high school sweetheart, Daniel, + homeschooling momma to our 3 girls. I'm the Budgeting Coach + Motivational Speaker behind 
A Sunny Side Up Life

My family used to be in $490k of debt + living paycheck-to-paycheck, but after we hit rock bottom everything changed for us!

Now that my family has become debt free + gained financial freedom, I want to help your family do the same! My passion is inspiring women to live abundant lives through budgeting, intentional living, and positive thinking.

I offer a jump start into budgeting with my free 8-day Declutter Your Budget Challenge + full budgeting experience with my course, Your Sunny Money Method.


Come follow my day-to-day life over on my Instagram Story