Huh! After reading this, I guess I AM frugal by nature! So how did I accrue a debt of $23,000? LOL!
We don't buy coffee, alcohol, make-up, fancy cars, clothes, books, dvd's, or CD's. Those are just interests we do not share.
Our indulgences are eating out, though we are pulling that in. I'm starving right now and sitting here at work. I would love to go get a bag of chips from the vending machine, but I'll wait another hour and a half for lunch. *sigh* That's a long wait!
We also indulge in random things that we want. We are not always very patient. These things might be cross-stitching supplies (I'm with you on that one Kealina
), a dog leash, a sink faucet....just really random things. Last year I indulged in a new fridge. That was a pretty expensive indulgence! Our old one was starting to leak, but we didn't even try to repair it.