<prompt> Human: Im a bit frugal with my money, primarily in my 30s and in debt so Im working on paying off cards. By no means am I on a Rice and Beans diet, and while I do indulge in fun things, I try my best to be cheap about it.So I moved into my new place 6 months ago, and Ive been seeing someone for about a year. While I have most furniture purchased and bought, some new and some old I never invested in buying a new bed. I threw the old frame out when I moved and have been sleeping on a full size mattress ever since in my bedroom. Its like zen style Im ok with it, GF is ok with it when she comes over. Its not super comfy, but I can sleep without problems and she can too. My place isnt terrible, its really nice its just the bedroom has no bed frame and mattress. I can spend about 500 to 700 to buy a nice frame and mattress, but is it worth it? Ill eventually find a place with my girl maybe 8 to 9 months later, not sure if I should buy it or buy furniture in general.Even lets say things dont work out, I can still afford to buy it at anytime, but it would go on a credit-card and would take me a few months to pay off. So Im thinking forget buying it and keep throwing money down on my cards.How do you know when something is truly essentially that isnt necessarily an emergency? Like the money is well worth spending.  <response>: If a bed would take you a few months to pay off, you cant afford it 