I was having lunch with Boxer Girl last weekend. I was bemoaning the fact that I'd done a budget and was facing up to the fact that I really, really need to start living within my means (at some point) and that living-within-means would mean curtailing a few of my activities - severely, in some instances.
"Well," she said, lifting her champagne glass to her lips, "you've done a budget. Well done. That's a great start. Now I think you need to celebrate by going out and buying yourself something nice."