And when I say it’s good for you, I do mean financially.  Go ahead, take your wife to that movie she’s been wanting to see.  Stop at Starbucks afterwards and enjoy a $6 coffee.  Heck, even spring for that $5 brownie that looks so delicious.  The point is, you need to splurge a little bit sometimes, so that you don’t get caught up in “save save save” mode all the time.  If you deprive yourself of all life’s little pleasures, chances are good that you’ll end up doing something really stupid financially, and spending way more than you would on a few little things.

So, since it’s Valentine’s day, take some time and do something with your significant other.  I’m not saying you have to go all out, but lunch and a movie would do the trick.  It won’t cost a fortune, but it’ll feel good to get it out of your system, and enjoy life a little bit.  Remember, finances are a bit like food.  If you go hardcore into a binge diet, you’ll end up eating a whole tub of ice cream and chasing it with a pizza or two.