Like others have stated - while I have a full time job I buy what I need and some stuff I just want. When I retire (March 1st) I have a set $ amount that is my mad money for each month. That includes movies, eating out with friends, and trips to the LQS. When that $ is gone, nothing else for the month. If any $ is left over, it goes into my "mad money" account to pay for things like my quilting retreat, machine repair, etc. I have tried to build my stash over the past year in anticipation of retirement and I already had tons of tools, etc. so I should be able to stick to my budget. If not, maybe I will start a thread about how much I am over budget...