Also we now play a fun game – when we say “gee the Joneses have such a nice new house” we then try to guess how they paid for it? Both have average government jobs (not a ton of money) and pay for daycare and they eat out all the time, hmmmm…. Makes us realize that the Joneses are probably up to their ears in debt, and then we laugh at them. It’s a fun game to play, and becomes a way to reward your own frugality (b/c sometimes it isn’t so fun!).