How to Create a “Fun Fund” Without Guilt

What is a Fun Fund?

Because saving money shouldn’t mean sacrificing joy. A Fun Fund is a guilt-free savings stash specifically for the things that bring you joy—think weekend getaways, concert tickets, self-care splurges, or that new hobby you’ve been eyeing.

Unlike your emergency fund or retirement account, this one exists solely for pleasure. It’s a way to honor your goals and your need to enjoy life along the way.

Why You Need The Fun Fund

Here’s the truth: if your financial plan feels like all restriction and no reward, it won’t stick.

A Fun Fund can:

• Prevent burnout from being too frugal
• Reduce impulse spending (you know it’s there when you need it)
• Help you spend intentionally—and without guilt

How to Set Up Your Fun Fund

1. Pick Your Purpose

Decide what your Fun Fund will be used for. Some ideas:

• Girls’ trip or solo getaway
• Beauty or spa days
• Special date nights or brunches
• Seasonal wardrobe refresh
• Hobby-related gear or classes

You can also make it general—just for things that spark joy.

2. Decide How Much to Save

There’s no right number, but a good starting point is:

• 5–10% of your monthly income
• Or $20–$50 per week if you’re on a tighter budget

Even small amounts add up!

3. Make It Automatic

Set up a separate account or even a labeled savings pot in your budgeting app (like “Fun Fund” in Ally, YNAB, or Revolut).

Then, automate a transfer weekly or monthly so you don’t forget.

4. Use It Without Guilt

That’s the whole point. You already planned for this! Enjoy it.

When you spend from your Fun Fund:

• Celebrate it—this is what mindful money management should feel like.
• No mental math or self-judgment. Just joy.

Mindset Shift: You Deserve Joy and Savings! Start save the fun fund.

Frugality is a tool—not a personality. And building wealth doesn’t mean you can’t also enjoy the life you’re creating along the way.

Creating a Fun Fund is one of the most balanced, sustainable, and emotionally intelligent** financial practices** you can build.

Let’s Chat:

Do you already have a Fun Fund? If not, what would yours be for? I have created some digital saving challenges , they are perfect for beginners.
Drop your thoughts in the comments or tag me on Instagram @sharon.dailyvoyage with your Fun Fund ideas!

*Disclaimer: The financial tips shared on this blog are for informational purposes only and do not constitute professional financial advice. Always consult a certified financial advisor or planner before making investment or budgeting decisions. Your financial choices are your responsibility.

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