I have a list of the wants and prioritize that list. If it isn't on the list, then I don't buy it. Anything that is $25.00 or more is on the list and even then I have to really want something to purchase it on impulse. Because impulse purchases get in the way of the bigger picture of what I want and how soon I can get it As for credit cards, loans and lines of credit...........I just do the math and figure out how much a purchase will cost me in the long run if I can't pay cash for it. That typically is the deal breaker. And that also includes purchasing vehicles over time. Bottom line, I don't lose any sleep or have to worry about a debt load especially over stupid purchases.