After I get my SS check I pay all the bills... then from whatever is left I put aside a fourth of that for my play money...usually it's used at yard sales, estate sales etc. Sometimes it's used, sometimes not. My downfall is vintage machines and I try to keep a little rainy day cash just in case one of the little darlings wants to come home with me. I'm getting picky with them now only because I'm running out of room :lol: I don't have any credit card debt, if I don't have enough to pay cash I wait until I do. I'm pretty frugal in most ways and my machines and fabric serves as entertainment and as a stress reducer.