We both came from poor families,with stay at home Moms (so was I),so basically we learned early on that "when the money is spent,we don't have more to spend".
When the kids were home, we lived tight with a dollar.Now we're empty nesters, but still don't splurge on basics.The bills are payed 1st & what's left goes into savings.I use a bank card for on line purchases,so that's payed from savings when I hit the buy button.
Several yrs back I started cutting back on all quilty "stuff".Every new ruler,notion or fabric is thought about....do I really need that,do I already have it in stash? New throws/quilts are made with at least 60% stash.Love LQS fabric, but only at 50% or more off.
We have a life to live & not all spending money will ever go on quilting.He has a hobby,we like to eat out & at least once a yr,we travel to Fl to see family.