We have been married 17 yrs and we also don't sweat that stuff. I have been a SAHM since 2002. Now 5 kids deep, we know how to spend what money we do have. We don't live week to week or month to month. We don't really keep track of what we spend our money on either. I buy the kids clothes as needed. If it is needed, they get it, shoes, soccer equipment, winter coats, ski equipment etc. Now, some weeks it will be not this week maybe next because lets face it ski equipment is expensive for 3 older kids. I also buy that used, since they grow out of so fast and sell our stuff at swap as well. We don't have a vacation fund, we also don't use our tax refund towards vacation. If we decide on a vacation, I just plan it, pay for it etc. If we have no money to pay for it, we don't go. We just flew from MA to CA and spent 9 days in San Diego, did Zoo, Sea World, Legoland and few other things. Big items, like we need a roof or kitchen remodel, those come from our tax refund, saved over time, sometimes 1-2yrs worth. DH does most of the work himself. I just began working as a realtor, I close about 1 home a month, average is about $1,800 (I split with my team leader), so I just put that into savings. It may go towards our kitchen or roof we need, or maybe vacation next year, not sure yet. Or like August I brought cash on vacation I made. As for eating out and what not. If I notice a pattern or us eating out alot or buying lunches, coffee etc. I mention we need to curb back and tell him how much we have been spending and we stop.