I was just reading an online article about people who are in debt even though they make more than enough money to live comfortably.
"Mark," a 41-year-old executive who makes a six-figure salary but fell into debt because he doesn't believe in self-sacrifice: "I have a sort of moralistic self-righteousness that I deserve good things," he says. "And because I'm surrounded by luxury all day, I know what's good quality and what isn't."
My advice is to not listen to any voice, internal or external, that says you "deserve" luxury consumer goods. That is the voice of someone or something which does not have your best interests at heart. Hit the mute button, make the sign of the cross, say "Get thee behind me Satan" -- whatever works for you.