How to Have a Budget-Friendly Night Out (Even If You’re the Generous One)

If you wake up the morning after a night out with regret, not because of the hangover, but because of your bank balance, you’re not alone.

“I don’t go out often, but when I do, I’m so bad for buying people drinks and losing track of my spending. I wake up feeling frustrated and it puts me off going out altogether.” 

– Listener of The Vault with Financielle 

Here’s the truth: this isn’t just about money, it’s about mindset.

If you find yourself playing the “fun, generous one” when you’re out, it might be time to check if your spending is tied to how you see yourself in the group. You can still be the life of the party without funding everyone else’s night.

Here are 5 ways to enjoy your night out without blowing your budget:

1. Set your limit and lock it in

Use a banking app like Starling to create a spending space. Put in your set amount (say £100) and leave your main card at home. You can even disable Apple Pay to avoid tapping away after a few drinks.

2. Try a sober night out

Drinking lowers your willpower… and your bank balance. Being the driver (even just once) can reset your habits and save you money, a hangover, and regret.

3. Tell your friends your goal

At the start of the night, say, “Watch me tonight – I’m trying to cut back.” Good friends will help keep you accountable, not expect free shots.

4. Challenge your ‘main character’ role

Not buying the next round doesn’t make you any less loved. Try a different role: the vibe curator, the playlist queen, the check-in friend. See what changes (hint: probably not how much your friends like you).

5. Budget for fun

Nights out aren’t the enemy… impulsive spending is. Make sure to include ‘fun’ in your budget! If you plan ahead for outfits, drinks, and taxis, you can enjoy guilt-free fun that fits your financial goals.

You deserve to have a social life and hit your money goals.
Listen to the full podcast episode here.