What do you mean by 'afford it'? Seriously..

[roadtripper]

I am a saver and a budgeter, but in the early years of our marriage, when we had two small children and I was a SAHM, one of DH's friends was getting married in Bermuda. My knee jerk reaction was "We can't afford it." My mom, who is VERY frugal said "that's what credit cards are for--go!" We went for three nights and had a ball. Mom was right--and it didn't turn me into a plastic loving fiend. We didn't have the money, and paid it off in several months, but it was worth it.

So "afford" is relative, as many posters have remarked. I would never charge clothing, electronics, etc if I couldn't pay for them, but memories are worth spending for, IMHO.