Splurges change over time -

We have been going every year now since 99 and going defiantly was our splurge even to stay at the campgrounds (used to get a post card deal for 29 or 30 dollars per night)
We did breakfast in the motorhome, counter service most nights with 1 character dinner and 1 character breakfast per trip with a few mickey bars thrown in
autograph books and 1 large splurge for each of my 2 boys (1 year they got the monorail ,the mickey phone ,the pal mickey) and grandma usually gave them Disney Dollars before we left -For Myself my fam usually got me a fancy Disney globe each year for my birthday and I have a few from
Disneyland but my Disney cabinet is full now and it would take something VERY special for me to get something new !
As our income got better ,I was still just as frugal -maybe I would get a sweatshirt or antenna topper once in awhile or we would do Table service a little more often but I still don't miss my earl of sandwich or Wolfgang puck express each trip
So our big splurge was a DVC when they opened Bay Lake Towers ,I have always been a huge monorail geek since my visits when I was a kid - it was so cool .... to pass threw the contemporary but as an adult I was just to frugal to spend the money it seemed like way to much per night for just a room at the deluxe places ....so now I always spend my 1st 5 days at BLT and my 1st night I take the monorail to the Polly for a dole whip and take a round trip on the monorail just to get my Disney on
I also Have the Disney rewards card ,so depending on my amount that I accumulated though the year I get a Kameleon piece of jewelry from either the Wyland Galleries (used to be at the Polly) they have pop out charms so you can change up your stuff with a new charm each year -and you can get a few special Disney charms at the Disney jewelry shops now too !
So know that I could probably afford anything I want I am very happy with walking back from the magic kingdom in the evening ,my new charm, my refillable cup and remembering all the fun times I enjoyed with my family over the years !