I don't and that was not always the case when I was married, into a career and raising a family. At this point in my life I buy what I want and don't give a hoot about how much I spend. Of course my needs are pretty simple now with no extensive travel or trips, hobbies, home or vehicles. Food, housing, entertainment and gifts are my major expenditures. So if I want to buy a big slab of expensive gourmet cheese, so be it.