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"Sometimes I can't help thinking, 'what about me?'" This line from a song by country music artist Keith Urban is how a lot of us feel when we look at our monthly budget. After paying for the mortgage, utilities, and countless other expenses, the funds are low. Though caring for families and having the necessities of life is very rewarding, at some point everyone wishes for a budget that includes a little something more for themselves.

A budget that includes you is easy to achieve. All you have to do is take a small amount of money from each pay check. Decide how much, based on your monthly income and the expenses you incur each month. Take out anywhere from $5 to $25 a week. This may not sound like a lot, but by the end of the month it will add up, and if you are on a tight budget, it is better to be a little conservative.

If you want to set aside money for yourself, but cannot afford it, or you would like to be able to set aside more money, then look over your budget and try to cut unnecessary spending. Look at your food receipts and make cuts. Create weekly meal plans and shopping lists so that you buy items you need and nothing more. Use coupons, cut down on extra snacks, and eat out less. Avoid impulse buys and do not buy items for your home that are not necessities.

But the amount of money you set aside is not as important as how you spend it. There are a number of ways and means of using your "Me fund."

You could save up the money for a huge shopping trip, a cruise, or something big that you want.
Each month you could get something that's just for you like a new handbag, a pair of shoes, or that cute blouse you saw the other day.

You could use the money to pamper yourself by going to the salon or a day spa or just going to a nice dinner and a movie.

Nothing can be more rewarding than a hobby. Invest your "me money" into your current hobby or start a new one. Go to the scrapbook shop or the craft store to buy new supplies. Purchase a new book or magazine. Sign up for classes on a hobby or a topic you find interesting.

And if you feel a little guilty about spending money on yourself, consider buying something you want for the whole family. Save up for a new television or a swimming pool. Plan a day out for the family, or save up for a family vacation.

Everyone's work deserves a little reward, and no matter how much money you make or what you enjoy, you can create a budget that includes something for yourself. Just remember, you don't have to spend a lot of money to treat yourself. After all, the best things in life are free.

Learn more about this author, Jerri Rivers.
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