Spending Money – Happy Hour Style

martinis and your money

Spending Money – Happy Hour Style

As one of my clients recently pointed out to me, during our happy hours on the podcast, the ladies and I usually talk about saving money and how to live frugally; and we rarely talk about spending money. This episode is for that client and any other listeners who are sick of hearing us talk about how we save.

In this episode, we talk about when we think it makes sense to spend money and the areas where we are not afraid to spend money. As usual, it’s another fun happy hour that I hope you enjoy!

What are we drinking?

Melanie from Dear Debt — a special cocktail of Sweet Vermouth, Gin, & Campari

Tonya from Budget and the Beach — Pinot Noir

Mrs. Frugalwoods from Frugalwoods.com — Chardonnay NOT from a box

Shannon — Gin & Tonic

Podcast Notes

  • Mr. & Mrs. Frugalwoods found the homestead they have been talking about for years now!
  • Melanie suggested this topic after her stressful and eventful last few months of moving, preparing for her trip to Italy, and being self-employed person making more than she did at her non-profit job.
  • Moving to LA significantly increased her expenses, but Melanie was never really happy in Portland so she is willing to pay more to feel happy and connected at home.
  • She spends money on Postmates, a free food delivery service, to save her time and increase her productivity.
  • Tonya says she will always spend more on good food and good healthcare.
  • She is also willing to pay more for where she lives in LA to feel safe and live by herself.
  • Shannon says paying more for healthy food now will you save you money on medical costs later.
  • Mrs. Frugalwoods thinks it makes sense to spend more money when you want to buy a homestead, and that it also makes sense to spend money to learn life skills to prepare you for all the things life throws at you.
  • Mrs. Frugalwoods says outsourcing everything these days is disempowering.
  • Shannon’s family cut back their expenses on pretty much everything else but she says spending money on her housekeeper, Marlene, will be the last expense she’ll ever cut.
  • Shannon’s advice is to make sure you are rationalizing the right things for the right reasons when you are spending more money.
  • She says it makes sense to spend more money for something if it supports your values, adds to your life, improves your life, or protects your life.
  • Melanie values her mental health and her environment.
  • Tonya values her health and her body.
  • The Frugalwoods value spending time together and being outdoors.
  • Shannon values not cleaning…….and downtime with her family!
  • They ALL value going to the dentist!


  • Never accept a free massage from someone you met on Craigslist!
  • Spending money isn’t always a bad thing; just make sure when you’re spending money that it’s on things, situations, or experiences that are valuable to you and in life with your life goals!

When do you think it makes sense to spend money? What do you splurge on?

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Shannon is a financial planner who left a “traditional” financial services firm to start her own company, The Financial Gym, because she felt traditional financial services firms did not have the tools or resources to help people in their 20s and 30s who are starting out and trying to build assets while also managing debt. She realized that the key to long-term personal financial success is a commitment to financial fitness and making smart financial choices. Through her blog, Financially Blonde, her book, Train Your Way To Financial Fitness, her podcast, Martinis and Your Money and The Financial Gym, Shannon is committed to making financial fitness fun, easy and accessible for everyone.


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