Individuals of all ages take pleasure in small purchases, whether it's a child using their hard-earned allowance to buy a new toy or an adult treating themselves to a delicious meal at a beloved restaurant. These little acts of indulgence add a touch of happiness to everyday life. 

Generation Z, born between 1995 and 2012, has developed a strong inclination for making small, spontaneous purchases. This vibrant generation stands out for its unique spending habits, with more than half of Gen Z adults treating themselves to a purchase at least once a week.¹ These frequent little splurges can bring a sense of satisfaction to their lives, help them celebrate milestones, and provide a way to cope with stress and anxiety. 

However, these regular purchases can lead to overspending and may put Gen Z individuals in a difficult financial situation. In this Ameris Bank blog post, we explain how Gen Z can budget for "Treat Culture." Our aim is to empower Gen Zers to embrace the joy of spending while ensuring their financial well-being remains intact. 

Create a Realistic Budget 

Soaring living costs make saving money difficult for Gen Zers like yourself. However, by adopting savvy budgeting strategies and exploring creative ways to trim your expenses, you can save a little extra cash. These savings can be accessed when you want to treat yourself now and then. 

Creating a budget is straightforward, and it can be done using a traditional method (like pen and paper), a spreadsheet, or by using online budgeting software or a budgeting app. Keep in mind that your goal is to reduce expenses and save money. Consider using one of the many free budgeting software options or apps available, or try free budgeting calculators to help you achieve your financial goals. 

Everyone's financial situation is unique, but the following steps can help you create a realistic budget. 

Step 1  

Make a list of your monthly bills and expenses and the amounts for each. Your bills may include rent, utilities, internet, mobile phone, and streaming services. Your expenses include money spent on items such as food, gas, clothing, and entertainment. 

Step 2  

Write down how much money (income) you make each month. 

Step 3 

Subtract the sum of your monthly bills and expenses from your monthly income. This calculation shows you how much money you have left each month. The result of this calculation should be greater than zero. If it is less than zero, it means you are spending more money than you are earning. 

Step 4 

The final step is to evaluate your monthly bills and expenses to identify which ones can be adjusted or eliminated. Common examples include paying for unused subscriptions, such as gym memberships, software, or TV and music streaming services. Additionally, consider the costs associated with frequently dining out, relying on food delivery services, or high-cost consumables, such as daily lattes and matcha drinks. 

Spend Money on Treats Responsibly 

After you finalize your budget, you will have a clear understanding of your finances and how much you can set aside for treats. It's perfectly acceptable to make small purchases from time to time. Whether it's your favorite morning pastry, a new book, a piece of clothing, a toy for your pet, or some quality self-care products, these little splurges can enhance your day and contribute to your well-being. The key when treating yourself to these small moments of indulgence is to spend wisely. 

If you’re used to making purchases without hesitation, or if you frequently treat friends or loved ones to coffee or meals, you might find it difficult to curb your spending. These expenditures, although small in amount, can add up quickly and create financial strain. Recognizing this is the first step towards developing more mindful spending. 

Find a Balance For Your Indulgences 

Spending money on treats is a great way to boost your mood and give yourself a small reward. However, this will become problematic if it leads to depleting your available savings or maxing out your credit. That's why it's essential to find the right balance between spending and saving. 

Always consider your budget and reflect on whether those treats are truly necessary or if you can skip them without feeling sad or guilty. By balancing your spending habits, you can avoid overspending and keep your finances in check. This approach can help you save money for the future and reduce the stress and worry that often come from accumulating debt. 

Use Your Credit Card Only When Necessary 

When you want to treat yourself with an impulse purchase, it can be tempting to use your credit card. The convenience of swiping or tapping your card lets you enjoy that new item, meal, beverage, or experience right away, without worrying about the immediate impact on your bank account. While the excitement of a spontaneous buy can bring a rush of joy, it may also lead to debt. 

So, use your credit card wisely, reserving it for essential purchases and the occasional treat. Strive to maintain a low balance on your credit card and make payments on time. These practices can help you maintain a good credit profile. 

Always Consider Your Financial Future 

Sticking to a budget, making informed spending choices, and being mindful of impulse purchases can cultivate a sense of financial security in the present. In addition, it can set the foundation for financial stability in the future. As you consistently save—even small amounts—these funds can accumulate, offering you a financial cushion for unexpected expenses or emergencies. 

You can choose to deposit your savings into a bank account, where they can earn interest, or explore investment and retirement opportunities to grow your wealth over time. 

Indulging in periodic purchases can brighten your day and uplift you during stressful or difficult times. So, buy yourself a little treat every so often. Just remember to stick to your budget and choose treats that won't put a strain on your finances. 


 
Sources: 
¹ https://www.convenience.org/Media/Daily/2025/August/20/6-Half-of-Gen-Z-Indulges-in-Little-Treats_Research 

 
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.