If they’re spending money on something that improves their life in some way from their perspective, and aren’t prioritising that over needed expenditure, while also not making anyone else’s life worse: who am I to judge?
That said, more luxury spending should be avoided if you’re paying a lot of interest on debt. Paying interest is wasteful given you’re not really getting anything tangible for the money, but it’s not a normal expense you can just cut (usually, look for 0% balance transfer options if they’re available to you). So work on minimising that expense as a priority, in order to limit how much you ultimately waste in the long run.
At a much grander scale, there is a lot of wasteful government expenditure I could go into around subsidising the fossil fuel industry and everything connected to it at the expense of our environment, but that’s probably getting off topic
If they’re spending money on something that improves their life in some way from their perspective, and aren’t prioritising that over needed expenditure, while also not making anyone else’s life worse: who am I to judge?
That said, more luxury spending should be avoided if you’re paying a lot of interest on debt. Paying interest is wasteful given you’re not really getting anything tangible for the money, but it’s not a normal expense you can just cut (usually, look for 0% balance transfer options if they’re available to you). So work on minimising that expense as a priority, in order to limit how much you ultimately waste in the long run.
At a much grander scale, there is a lot of wasteful government expenditure I could go into around subsidising the fossil fuel industry and everything connected to it at the expense of our environment, but that’s probably getting off topic
Edit: typo