Spending For Adventure: How To Use Your Money For A Life Of Excitement


Many people think that an adventurous life requires a large amount of money. But with some thoughtful budgeting and careful planning, you can make your hard-earned cash last longer while still having plenty of exciting experiences. Whether it’s learning to fly an airplane or going on a cross-country road trip, this article will show you how to get the most out of your money while still living a life full of adventure.

How Much To Spend On Entertainment

The amount you allocate for leisure activities depends on your specific financial circumstances, but one effective method to consider is the 10 percent rule. According to Tom Corley of CNBC, you should base your entertainment budget on 10 percent of your net pay, not your total income. This means 10 percent of what remains after your employer deducts taxes, insurance, or retirement contributions.

Tips For Budgeting Responsibly

First, review and track your expenses on a regular basis. Whether it’s once a week or once a month, create an overall budget that helps you evaluate how much money you’re spending on entertainment versus saving for future endeavors. You can use tracking apps like Mint or Goodbudget to monitor your spending and make sure you don’t overspend.

The Importance Of Living Experiences Over Buying Things

While we need material goods to survive, the true value lies in experiences. Possessions lose their luster as soon as they’re obtained, leaving us feeling unfulfilled. The joy they bring is fleeting and temporary. Buying a new dress may bring an instant feeling of elation, but it’s fleeting. The void returns, urging you to buy a new one. The cycle never ends and you’re left feeling unfulfilled. Instead, take a risk and step out of your comfort zone. Embark on an adventure, explore new cultures, meet strangers, and experience different climates. These experiences will create lasting memories and release dopamine, making you feel alive.

What Is An Adventure?

Adventures aren’t always dangerous or life-threatening. Adventure is an attitude, it’s about trying something new or different from what you’re accustomed to. Stepping out of your comfort zone and willingly walking an unknown path. Adventure requires a certain amount of bravery, like daring to try a new restaurant in your hometown with items on the menu you can’t pronounce or opting for local transportation instead of hiring a car. Booking a spontaneous holiday to an unfamiliar destination with a new travel companion. In essence, adventure is all about the courage to explore new things and places, to challenge yourself, and go beyond your limits.

Adventures And Hobbies

Adventures can take the form of travel, hobbies, or even self-improvement. Here are some examples:

Travel: Traveling to a new country or city is an adventure that helps you learn more about yourself and others while embracing a different culture.

Hobbies: Taking up a new hobby such as flying a plane, photography, or cooking is a great way to challenge yourself and learn something new.

Self-Improvement: Setting personal goals such as learning a language or taking an online course helps you step outside your comfort zone and develop your skill set.

Buy Things That Will Create The Best Memories

Investing in a cabin in the mountains for family vacations and ski seasons, or a caravan for travel adventures, can provide a lifetime of enjoyment for multiple generations. This means that you will have invested in real estate or an automobile to provide a higher quality of life and have fun. Investing in a fun environment or traveling to exciting places can add to the enjoyment of life. Keep in mind that purchasing “expensive things” may come with additional maintenance fees that must be considered. If you own a caravan, it may require check-ups or repairs that can sometimes surpass your regular monthly budget.

No Investment Just Adventures

If you’re not keen on the idea of being tied down to responsibilities like a house or car, you can always spend your entertainment budget on traveling to different places. Why not indulge in exploring new destinations and creating some unforgettable memories?

Fun Adventures With A Very Low Budget

If you don’t have the luxury of spending 10% of your monthly income on leisure, there are still inexpensive ways to savor life.

  • Get a second-hand bike: This method enables you to freely travel to any destination you desire, granting a sense of freedom with minimal investment!
  • Go swimming: Open water swimming has gained immense popularity in recent times. Whether in a lake, waterfall, or river, these events can be a wonderful way to relieve stress, get exercise, and feel refreshed. Even if you live far from the ocean, be sure to look up these events and give them a try!
  • Wild camping: This is by far one of the cheapest ways to explore a destination. All you need are your basic camping supplies and an adventurous spirit! It’s also great for those looking to disconnect from day-to-day city life. Wild camping can be done anywhere, from forests to mountainsides or even in deserts – just make sure that it’s legal in that area.
  • Volunteer work: It is a great way to explore a new destination and help those in need at the same time. Whether it’s volunteering to teach English abroad or helping out with a local charity, you get to experience different lifestyles and cultures while making a difference.


A life full of adventure doesn’t have to be expensive. Investing in experiences rather than material items can help you make your money last longer while still living an exciting life. Consider the 10 percent rule for entertainment budgeting, track your expenses on a regular basis, and invest in things that will create lasting memories. Whether it’s traveling to a new country or taking up a fun hobby, adventure is all about stepping out of your comfort zone and challenging yourself.



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