💸 Splurge or Save? A Peek Inside My Spending Habits

Issue #11 of the Chidera Peters Dispatch

Hi Friendddd!

We all have our spending rules—the things we’re happy to spendddd on and the areas where we’d rather cut back. And the truth is, financial success isn’t just about saving every penny or spending without thinking—it’s about balance and making intentional choices.

So today, I’m giving you a peek into the things I gladly splurge on because they genuinely add value to my life—and the things I just can’t justify paying top dollar for 😅.

I promise this image will make sense by the time you’re done reading this email

💸 My Splurges (Things I Will Always Spend On)

✅ Nails & Skincare – Because self-care matters, and there’s just something about looking at well-done nails that brings me so much joy—priceless! As for skincare? A budget moisturizer isn’t touching my face. It’s premium or nothing! 🙅🏽‍♀️

✅ Quality Clothes (Not necessarily designer!) – I used to buy the cheapest clothes possible, but now I prioritize good fabric, fit, and durability. It doesn’t have to be luxury—just well-made.

✅ Perfumes & Handbags – A signature scent and a nice handbag? Worth it. Even if I’m wearing a £10 top, a good bag and perfume elevates everything 👜 .

✅ Household Items – If I’m sleeping on it, sitting on it, or using it daily, it has to be good quality. That’s why I now only buy 400+ thread count, 100% cotton bedsheets—because sleep is sacred! Also, a good sofa, cookware, and appliances that won’t break in 6 months? Absolutely worth it.

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💰 My Saves (Things I Won’t Spend Too Much On)

💡 Makeup – I’m bare-faced 90% of the time, so spending hundreds on makeup doesn’t make sense for me. A good lip gloss and a little foundation? That’s all I need.

💡 Wigs – I love a good wig, but I haven't reached the point where I’m comfortable dropping £400+ on one 😅. The wigs I have are solid, and they get the job done!

💡 Car – Right now, we’re in the process of buying a car, and a secondhand one makes way more financial sense. The moment you drive a brand-new car off the lot, it loses value instantly. Also buying a car whether new or old on finance is not for us.

💡 Trendy Things – Every few months, there’s a new “must-have” item—Stanley cups, the Korean skincare frenzy, £300 AirPod Max headphones—but I just don’t get the hype 🤷🏽‍♀️. I generally stay away from trendy purchases, especially when they don’t add real value to my life.

If my £10 water bottle still does the job, why am I spending £40+ on an insulated cup?

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🚨 Live Q&A – Ask a Mortgage Advisor Anything!

Buying a house? Planning to? Confused about mortgages? 🤯

I’ve got a qualified mortgage advisor joining us for a live Q&A session on Friday, April 4th, at 6 PM. This is your chance to get all your mortgage and house-buying-related questions answered.

🎉 Exclusive discount: Use code APRIL4 to get £5 off—but this is only valid for the first 20 people on this mailing list!

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🎥 New Videos You Should Watch!

📌 Never Go Broke Again! The Best Side Hustle for UK Migrants
Tired of paycheck-to-paycheck living? This video covers one of the best side hustles with no upfront cost and high earning potential

📌 DO THIS BEFORE APRIL 5th! 4 Urgent Money Moves To Make Now!
Tax year deadlines are approaching fast! I break down four key financial moves to make before April 5th to avoid leaving money on the table.

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Remember, No One is 100% Frugal

You ever met someone who drives a brand-new Mercedes but still bargains for 50p off plantain? Or the one who refuses to buy bottled water but will spend £200 on a night out? 😂

We all have our thing. And honestly? That’s okay! Money is meant to be spent wisely, not hoarded or wasted. So tell me—what’s something you gladly spend money on and something you’ll NEVER spend on? Hit reply, I want to hear yours!

Till next time,

XOXO
Chidera

P.S. Don’t forget—first 20 people get £5 off the live Q&A with the code APRIL4. Grab your spot here before it’s gone!