If you pay your bills and find that you have disposable income left, you need to decide what to do with it. This is a decision you should consider carefully. While you might not necessarily need the money, you can make your life much easier if you choose the correct way to spend it. If you’re unsure of how to spend your disposable income, here are some suggestions.


Experiences are one of the best things money can buy. Whether you’re going to Florida or Antarctica, visiting new places allows you to expand your beliefs and explore life somewhere you’ve never been. If you have disposable income, use some of it to travel.

However, make sure you do it in a way that makes financial sense. While a timeshare might seem like a cheaper option, the fees average out to $1,112 every month. You could spend twelve weeks at several luxury resorts with that money. So, don’t just jump on a plane. Take some time to decide where you want to go and what your ideal travel style is. Knowing these things in advance will help you plan the best trip possible.

Prepare for the Future

You can also use your money in a more serious way. Take some time and consider your future. Are you planning to retire to Florida? Or maybe you should pay off your mortgage early. By spending some of your disposable income now, you will be more secure in the future.

Another important thing to consider is your estate. While you might not have enormous assets, you should make sure that your wishes are put down in writing after your death. This will help your loved ones take care of everything with minimal stress. The best approach is to update your estate plan every five years, plus after all major life events. Use some disposable income to hire a lawyer to help you with this. Then you can relax and focus on the present for a little while.

Cosmetic Procedures

If there is a cosmetic procedure you’ve been wanting, you might decide to use your disposable income to get it done now. Cosmetic procedures are often seen as wasteful, but they can be a great way to feel better about your body and boost your self-esteem. If you have stretch marks on your body, microneedling might help you eliminate them. In fact, one study of 25 adults showed that the stretch marks on their trunks and extremities improved 50% after an average of 1.8 microneedling sessions. Then, 28% of patients had over 75% clinical improvement. These procedures can be expensive, but if you have the money, they can be worth it. Then you can relax on a beach in Florida without worrying about your body.


If you really want to put your disposable income to work for you, invest it. There are many ways to do so, some more secure than others. If you don’t know where to begin, hire an expert to help you. Consider all the different types of investments you could make, then decide which works best for you. While your investments aren’t guaranteed to bring in more money, they could work out well for you. And since you’re only investing disposable income, you’re not risking anything essential.

If you have disposable income, you should put it toward something that will benefit you. This could be a fun experience or a beautifying procedure. Or it could be a more serious step that will keep you safe and comfortable in the future. If you’re not sure what would be best for you, consider the suggestions offered here.

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