There’s the mortgage, the utility bills, and the kids. Our family regularly sets aside something for our investments, and we also spend for financial protection. Definitely our cash flow is a bit crazy, yet we do travel regularly and spend good quality time with family. Any expense beyond that is discretionary, at best. Even though you get to enjoy a discount during a sale, you are still spending money. True, you get 25% discount, but you are actually shelling out the remaining 75%, which otherwise would have been savings. So, if something is not on your list, better hold your horses!