Don't love money - love people. When you have enough clothes to look clean, pleasant, and appropriate [even when you need to do laundry], its time to stop buying clothes. Practice: Gratitude. A thankful heart. Contentment. These things are in the Bible, but not practiced by many. Go back to #1: Don't love money - love people. There are massive amounts of people who need our help. Instead of treating yourself, treat them. Instead of going out for a fancy meal, set the table nice, put a meal in the crockpot, and then find someone in need and spend the "fancy restaurant" money on groceries for them, instead. Instead of a new outfit for yourself - find someone who needs a new pair of shoes, or a sweater, or a new outfit. Take them shopping, and have fun together. Or, instead of spoiling your children with too many toys, too many "I wants" - send in some new things to the Foster Care program near you for the children who are waiting a home. Giving is so much more blessed than getting!