I use a rainy day cash fund to splurge on items like SZA tickets. My method is a little 'girl math' and a little 'cash stuffing,' but it works for me.

• I bought SZA concert tickets with a rainy day cash fund. 
• I keep cash from birthdays and holidays in an envelope. 
• The fund helps me afford splurges like a nice dinner or concert. 

It was a gloomy Friday afternoon and I'd refreshed Ticketmaster and SeatGeek too many times to count.

Should I buy a ticket or not? I couldn't make up my mind.