In another thread Plain Jane mentioned a math formula: 1 H bag = 1 DH HDTV or something like it. Inevitably, unless you are super-rich, acquiring H is a mathematical feat of juggling finances... so what is your H mathematical formula? For me - what I'd give up or won't part with: Fewer taxi rides/eating out = H bags Liberal use of toilet paper > H H > less than 2.5 carat diamond Ability to travel more often > H My home > H My financial health > H 10 designer shoes a year (Christian Louboutins, Chanels, etc.) < H No more other designer handbags < H 2.5+ carat diamond > H Cars < H (distances & transport are rather close and efficient where I live) It also helps I don't have kids nor am I married. No need to trade up for DH's Bang & Olufsen sound system.