I'm a spoiled quilter too! I buy what I want, when, or if I need it. We also believe debt is a dreaded word, and is not part of our lives. We're both retired and worked long and hard to get where we are, and planned accordingly for this time. I love clothes/accessories, but also love the thrill of the hunt, buying things on sale, clearance, or with coupons. I just bought an $80 leather purse on sale for $10.99, and a $48 top for $4.99!