Setting a budget and actually sticking to it is crucial if you ever want to get a grip on your spending. Problem is, budgets, like diets, can be unforgiving when it comes to the occasional splurge. But even the experts will concede that when it comes to basic financial planning, it’s okay to indulge once in a while. But like gobbling up that waistline-busting cookie, the real question is whether it will be just one or the whole bag. So splurge sparingly. Herewith, the five pick-me-ups that are always worth it ... now and again.