Do you do it? There are some who cut back on luxuries only when necessity demands. But do we really need all the things we buy? While taking it the extreme could be counterproductive as you'll probably feel the need to splurge from time to time, wouldn't people save more money if they bought only the things they can't do without? For example why spend money eating at restaurants [and tipping] when you could spend less money if you cooked at home? Thoughts?