lol we may have been!
I consider myself the bargain shopper, I hunt for clearance deals (I go straight to that in retail stores), use coupons, etc. I hate buying things full price and so majority of the time I don't, maybe not so much on groceries but def. on other things especially retail, my husband hates Costco shopping with me haha. I haven't spent more than $30 on a pair of jeans, I'm more like $20 and below please. Many of my recent clothes purchases in the last year or two have been purchased heavily on sale like my jean skirt I go at Macy's for under $5 on clearance or the shirt I got at Khol's for a few bucks.
For many of our vacations we did a lot of budgeting, staying at this place instead of that, not necessarily sacrificing but just finding ways and adjusting what we did. We know we're increasing the types of vacations we're doing in comparison to years past but we're still always looking at the trips in terms of "is this realistic
for us" knowing our habits. There have been years where we said "no Christmas or birthday gifts or anniversary" as we're doing a trip. We don't care about gifts anyhow but see the experiences together as enough. We'll be in Mexico next week on our anniversary and all we'll be swapping is cards for each other.
That credit card talk that I mentioned that got the OP so riled up it the particular high rewards/benefits one has enough
travel insurance that we don't need to purchase anything else. The only insurance we did purchase was yesterday for $45 or so for a $1million medical coverage (since we'll be out of the country) for next week and for our cruise which is in Europe it's like $65 (we'll book that later on). Those aren't breaking the bank there. Both would be $0 deductibles.
Our trip to Hawaii in 2016 was after my husband had been working in TX for 5 1/2 months, home for 2 1/2 weeks straight, then MD for 8 1/2 months. He earned that trip and the 65-75 hours in a week he sometimes worked. Yeah he was home every 2 weeks but it was such a busy stressful time for him, our dream of going to Hawaii became a reality and it was done by using Delta points, by booking a for rent by owner condo place (we even went to the grocery store and made like 2 or so meals in the kitchen) but we had such an amazing trip. And like I mentioned we were under that threshold for the OP but they wouldn't have wanted to hear about how we did it. Oh well, clearly other posters are gleaning information off of each other anyways