You either live within your means, or you spend lavishly and push the bill onto your children, grandchildren, and so on. One of these options is Conservative. The other is not. Ask yourself which one you choose to support. No excuses.
@Hoodat In some respects,I consider myself to be one of the luckiest creatures in the world. This is especially true when it comes to the point of putting it above everything else.
I truly want what is within my budget,I buy it and don't worry about it. If it is something absurdly above my means,like a Porsche 911 Turbo,I just shrug it off and say "Oh,well." Nice to have,but not necessary.
This is not due to some sort of clever planning on my part. I owe it all to a old Master Sgt I was talking to one night while we were both on Charge of Quarters duty at Bragg. I was maybe 18,and whining about having a new car in the parking lot,and only getting to drive it maybe one weekend a month because all the other weekends I was on a training mission of some sort.
So that wise old vet told me something which has stuck with me the rest of my life. He said "There are many things that are NICE to have,but that doesn't mean they are NECESSARY. What you need to keep in mind is that you can separate what is nice to have from what is important to have by asking yourself "Can I ride it,eat it,wear it,or bleep it?" If the answer to any of those questions is "No",it's just not that important. It might be NICE to have,but it's not necessary."
It was like a lightening bolt came out of the clear,blue sky. I think I owe most of the happiness I have enjoyed since then thanks to the wisdom of that old E-8,whose name I can't even remember.
You can RENT happiness,but you can't buy it at any price. That brief conversation had an immediate and life-long impact on my life.
Because of that discussion,I just naturally don't really give a damn about possessing something not absolutely necessary. LOTS of stuff I would like to have besides a 25 year old "Elvira,Mistress of the Dark". Well,that one is sorta "special",if you know what I mean. That is a category where if I could buy it,I wouldn't want it.
Wanted a Harley when I was maybe 20 ,but couldn't afford to buy one. So I started asking around,and found out about a guy that used to ride them back in the 40's and early 50's that still had boxes of parts stored in his barn. Went to see him and bought a 40 Knucklehead engine with a title,and almost enough parts to build two engines. I also bought a transmission and a frame from him. Found and bought a 47 springer front suspension,and extended it 15 inches and raked the frame neck 3/4 of an inch. Damn thing would track like it was on rails at speed. Bought it all for scrap money prices. Had a friend with a commercial garage,and he let me use his torch and tanks so I could teach myself how to weld.
Didn't know diddly-squat about rebuilding a Harley engine,but I figured I could buy a manual and learn. Sold my Triumph Bonneville for cash money,and started looking around. In less than a year I was riding my very first chopper,having a ball,and I probably only had enough money in it for a down payment on a new one. I probably spent more money on tools than I did parts. This was around 1970,and nobody around here had even seen anything like that,never mind owned one like it. I literally owned the ONLY motorcycle in the county I lived in.
And I can guarantee you that if I had been a Vanderbilt and paid 17 million dollars for it,I wouldn't have enjoyed it nearly as much.
Did the same with cars and trucks. When I needed one,I started looking around for cars and trucks parked in people's back yards. Even got one car for free. A rusty 59 Olds. They gave it to me to get it out of their yard. It would start right up and run smooth,but you could literally put the transmission in "Drive",and smoke a cigarette before it would slowly start to move. No problem. I knew a trick on that one. Hitchhiked to a parts store and bought a couple of big cans of brake fluid,hitchhiked back to their house,poured the brake fluid into the transmission,and drove away. The look on the faces of the people who had given it to me was priceless.
Damn thing would even chirp the rear tire when it shifted to second. IIRC, I drove that car for two years before parking it in my father's back yard and buying something nicer.
And never once felt the least bit "put upon" because I was driving a old rust-bucket 4dr sedan. I even used sheet metal screws and a piece of tin to "patch" a rust hole in the roof over the driver's seat. The truth is I felt both lucky AND fortunate to get a car for free that I could drive for 2 years. I knew about the brake fluid in the transmission trick because I had owned a 56 Olds on Okinawa that started having the same problem,and a friend tipped me off about the brake fluid trick.
Never once in my life have I been jealous over someone/everyone seeming to have nicer or newer "stuff" than I had. I take no credit for this. I just happened to have been born to not really care much about "stuff". If someone,everyone, seemed to have nicer "stuff" than me,my honest reaction was "good for them!"
I am guessing this attitude saved me from suffering from a LOT of grief as a younger man. I know for a fact it caused a couple of women to tell me they were leaving me "because I can do better." My reaction to that was "Wow! I really dodged a bullet THERE!"
If you were to take a deep and honest look at your own life,regardless of who you are,I honestly think you would realize that it is NOT the money or possessions you have that is important,it is the people you know who call you "friend".