Buy the jacket and then set up a Fun Money account. For the longest time, I only concentrated on saving and investing. But two years ago, I set aside a Fun Money account. I add to it, just like I add to savings. When I want something, I check the Fun Money account. If there's money in it, I can buy something guilt free. If there's not enough in the account, I put the item on a list and then wait for either another item to come along that I want more, or the account grows large enough to buy the first item.