From time to time, I use the word "splurge", and on occasion I have heard someone else use it. When I heard the phrase, "we deserve to splurge" I felt like I was missing out on something. I have never put any thought into the fact that we deserve a splurge, but why wouldn't we. The word "splurge" is a universal language, if means you are clarifying to another person that you are aware you spent too much, or possibly didn't need the item, but you really wanted it, and you bought it. You can now relax; you deserve to splurge, and no explanation is required. For me a "splurge" is spontaneous, somewhat reckless. I now know that a splurge can be planned to meet your own goals. It is called " smart splurging". Impulsive splurging is what I am familiar with; it is driven by emotion and often leaves us with a sense of remorse or guilt. Smart splurging requires thought and is intentional. It starts by putting money away. It's about ...