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Tuesday Tip: Give Yourself An Adult Allowance

When you hear the term “allowance”, you probably picture children doing chores around the house, saving change in their piggy bank, and maybe splurging on a stash of candy. However, if you apply the concept of an adult allowance to yourself, you might find that you’ll start to make smarter spending decisions and save more money. Our credit counselors would consider that a win in our book!

Splurge without going into debt with an adult allowance.

Splurge without going into debt with an adult allowance.

Reasons for an Adult Allowance

You’re not exactly tying this allowance to any chores. I mean, that’s basically what your job is. I’m not going to sit here and give you more work to do. This is about allocating your paycheck and giving yourself a set amount of money.

Determine your adult allowance after paying your regular monthly expenses. These expenses include things like rent/mortgage, utilities, groceries, transportation, credit card bills, and other loan payments. For some help, use ACCC’s Household Budgeting Worksheet to identify all your income and expenses. Set aside some to save and some that you can afford to spend. This is your allowance.

Taking this approach makes your spending more fun. It will encourage you to find ways to save in other areas so that your allowance can be even larger.

If you’re struggling with debt, ACCC can help. Schedule a free credit counseling session with us today. 


Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people on the Talking Cents blog!

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