I do have my own mental budget. Comes from being the oldest of 11 children and hearing my parents always fighting about money.
Have to tell this story on my hubby. We were in a quilt shop not long ago and I was looking around and ooohhing and aahhing over some of the fabrics and when I left without buying anything he asked me why. I said I had enough to sew up and there would always be fabric. He said "I just spent $400 on my new motorcycle muffler", which I knew, "I think you can spend some on fabric"!!! I should have turned around than and marched back into the store! We kinda police each other but he has never said NO to me. 35 years and going!!
Happy Holidays.