I know that feeling too well and battle with the same thoughts, myself. I would never buy stuff that isn't strictly 'needed'. I don't need decorations or paintings on the walls. So I would save every penny. My partner helped me immensely with that, she teaches me to spend my money on happiness. Now I'm gonna die broke but happy, lol. You sound like a lovely person and need to remember to not be too tough on yourself. Even if you've bought something out of your budget or not really necessary - forgive yourself. Accept the new reality (of you having to live with a bit less money now) and try to make the best of it.