<prompt> Human: My wife and I are concentrating on paying off our debt and want to get a small loan, our cars, and personal students paid off ASAP. With that, there are material object that I like to collect, but dont need. How do you fight the urge of buying these material objects? Im hoping for some decent answers that I can refer back to to help down the road.Edit: To the people who have given advice so far, thank you. This is exactly what I have been looking for. To the negative nancys - I understand why you would see this as not belonging here, but I was under the impression that this subreddit is meant to help people deal with money, whatever the scenario is, even if it comes down to helping to save money and stay within a budget. Yes, I do have a budget that Ive been using and developing since Feb of this year, and it has helped me pay off a few thousand dollars in credit cards, start a second savings account, and just be in a better financial situation over all. However, we all fall to temptation and spending on things we dont need. The positive people who responded here are the caring individuals that saw the real issue and were willing to address it.  <response>: Lots of ways to combat this, and heres mine:I opened up a second checking account. My direct deposit puts part of my paycheck into this account. The amount I put in there is how much personal money Ive decided to spend each month.I dont spend anything out of my main checking account. That is for bills, utilities, savings, etc. If I want a bottle of soda, a shirt, tickets to a football game, or anything else, it comes out of my personal spending account. That way, I can only spend what Ive put in there. I cant overspend, I can underspend to save up for bigger things, and I never feel guilty about what I buy, because its my money and it doesnt interfere with my ability to pay bills or save money. 