For me, frugality is something that I have to work at. It is probably this way for many people. I like this kind of work though which makes it a little easier, but for someone who used to describe herself as "a recreational shopper" some days are harder than others. For me, Spring is the hardest season, I get this burning desire in my gut to spend money... its weird. I have ALWAYS been this way, but this year I am resisting... there isn't anything I need, so I shouldn't be buying anything.... this is easier said then done.
I found a little something that might make it easier to resist whipping out my credit card and "treating" myself... The Wallet Buddy.
Print this out, assemble it, and slip your credit/debit card into it. Then every time you pull out said card to buy something ask yourself the 13 questions. By the end of the questions if you still want/need to buy the item in question buy it... if not, move on.
Plus: A VERY Interesting article from Money about buying happiness