Stick around Snave, there are times when we'uns SavingAdvice folks get spendy! Most people here encourage the saving lifestyle over the spendy one just on the principal that many of our real life compatriots don't. But, I've been here through cycles when we get on the bandwagon pushing someone to 'go ahead' and spend too.
As to the insert, scfr there are things on that list that I wouldn't EVER spend money on even if I was rolling in dough, so it's no sacrifice to me now not to spend on it. By personality I'm somewhat gypsy-ish and having to cut travel would be a PERSONAL sacrifice. Not that I have to have it, it's just feeds such a soul need for me that it would hurt to have to cut it from the budget. I cut many other things in order to be able to do that every year. It's not a true NEED but a high priority WANT. I vote for disneysteve's dictionary definition on this one.
However, in the grand scheme of life those items in the insert are all pretty superficial things compared to the items on your list that many are facing every day.
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