Decide on why you like to save a little more and spend less. I think that's the important key most large families learn a lot: After years of accumulation and struggles with debt-- finally, you have arrived at being debt-free... almost there. But it's so liberating! Does it help to probe questions like, "Can I live without it?" A front-loader washing machine with 5-star water-saving rating should replace a nearly breaking top-loader washing machine which uses up 200 liters of water every load for a 9-member family's laundry. We saved up for a replacement. I am happier with the new one ever since. Things like those energy-and-water-saving appliances are our priority. Nourishing food and good education are our priority. Than a latest Samsung phone or iPhone. The probing question, "Is my 1-yr old phone broken?" " Do I need a new one?" The truth makes us cringe. But truth saves. And we're a lot happier.