Same here. While we 'can' afford certain luxury items, we choose not to. When my DH and I got married, he inherited the house we live in now. The interest rate was high for the time and our number one priority was to pay that sucker off! So we both worked as many hours as we could, ate a lot of Ramen soup, had no a/c or furniture and put every penny into the payments. We paid it off in record time. By doing that, we were able to put money into savings, buy a little nicer used car and travel a little bit. I still budget and watch my pennies but I can be a little lenient and splurge if it's truly something worthwhile.