The bad mood fund

We’ve recently set up a bad mood fund in our budget spreadsheet.

A bad mood fund? Yes…It’s a fund that allows either of us to shop and splurge on whatever we want, when we are in a bad mood. No questions asked. No “no-no’s”. No guilt.

I know it sounds a bit ridiculous, but there is logic behind this. The reason is first and foremost to make us feel happier and to chase those dark clouds away, and perhaps more importantly, to ensure that neither of us overspends when we go furiously shopping.

We allocate about $50 to the fund each month and it just keeps on rolling until one of us spends it.

We started this about 6 months ago, and amazingly enough, neither of us have gotten into such a bad mood that we have had to use it. Well, we may have had some degree of crankiness or moodiness but never to the extent that we felt like going on a shopping spree. (See? I’m pretty sure that becoming a mum has turned me into a thriftier person.)

But I had the opportunity to test-drive this last month. And by golly, it was so good. The feeling of being able to buy freely (of course within whatever amount the fund had) was incredibly liberating, and the best part? No worries about busting the budget.

Here’s my stash, split over two shopping trips. A simple blue cardigan, a bag, and a black shift dress.

I think it’s one of the best things we’ve done for our budget since we got married. Go on and give it a try! And let me know what you think… 🙂

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    • mamawearpapashirt says

      Hmm, technically no. But I informed the hubs when I was planning to utilise the funds in the fund, and he basically said go ahead. I think it’s quite open in terms of how you wish to frame it, and it could even be used to buy a gift for your hubby for instance, if you know he’s not feeling so great. Try it!

  1. says

    This is such a cool idea, June! Wow… And if I’d start this, I’ll also make the people who caused my bad mood to contribute to the fund (think: son’s pocket money in the future, husband, etc) – HAHA!
    Elizabeth recently posted..A nugget of junkMy Profile

  2. says

    I LOVE the sound of this idea!

    I read the post out loud to my hubby and asked him what he thought. He seemed dubious about it though… he wondered “won’t this be a motivating factor for couples to get into a bad mood so they can use the fund?”… did this question ever come up between you and your hubby?
    Serenely recently posted..Play idea with old cardboard boxesMy Profile

    • mamawearpapashirt says

      Hi Serene, good question! I guess I should go back to the first reason why we started this…it was to set aside some funds for those extra dreary days. It’s really out of discipline and a desire to not spend or splurge on a whim that we started this, so actually we wouldn’t bother to cook up excuses just to spend it. The natural control factor here is actually…each other. So we keep each other in check. I hope this makes sense! 🙂 you can always give it a go and see if it works!

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