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For furniture try freecycle.com.
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I don't. My budgeting process is:
Will I be poor before payday if I buy this?
If yes, don't buy it pay day if you need it or save for it if you don't.
If no, buy it.
Probably because I have a fortunate living arrangement just now but bills and food are about 25% of my income so about 25% goes towards fun and the rest goes to savings.
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