My OH doesn't often have time to spend but when he does, he more than makes up for lost time. He has recently bought a boat, ripped out the inside and got it back on the water yesterday. I reckon if he uses it more than 3 or 4 times that will be it, and it has cost thousands. I on the other hand, am the skinflint. I will live for the day but only if I know I have a nice little backup handy for if I need it later. If I do spend, there is always some justification. I want to extend our holiday home. Yes it will cost a lot of money. But at the moment we can't have all the family there at once as it only has 2 bedrooms and at the end of the day, it will double its value, even in these economic times.