Money

The Times Herald (Norristown, PA) - - BUSINESS - This col­umn was pro­vided to The As­so­ci­ated Press by the per­sonal fi­nance web­site NerdWal­let. Court­ney Jes­persen is a writer at NerdWal­let. Email: court­ney@ nerdwal­let.com. Twit­ter: @court­neyn­erd.

your op­tions. You may find a bar­gain on some­thing at a bou­tique or de­part­ment store that you hadn’t pre­vi­ously con­sid­ered or wasn’t ex­actly what you had in mind, Ser­dari says.

But don’t count out on­line sales, ei­ther. Some de­signer brands, such as Coach and Michael Kors, oc­ca­sion­ally host an­nual sales on their web­sites.

You’ll save dur­ing these re­cur­ring pro­mo­tions, but Ser­dari warns that sale sec­tions are of­ten more lim­ited and may con­tain items that aren’t as de­sir­able. Check for a sale tab on the brand’s web­site.

Bud­get for your splurge

Even if you find a good deal on that leather wal­let or those cat-eye sun­glasses, it’s likely you’ll still be spend­ing a good chunk of money for your pur­chase, de­pend­ing on the orig­i­nal price.

Re­mem­ber to ac­count for your ex­trav­a­gant treat in your reg­u­lar bud­get. Ac­cord­ing to the 50/30/20 bud­get, needs should take up no more than 50% of your monthly bud­get, wants get an­other 30% and sav­ings en­com­pass the re­main­ing 20%.

A lux­ury item would fall in the 30% cat­e­gory. En­sure you have room for it along with the other ex­penses that are al­ready in that group like your morn­ing latte and weekly take­out din­ners.

With your bud­get ac­counted for, go ahead and en­joy the feel­ing of look­ing like you paid much more for some­thing than you ac­tu­ally did.

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