a great piece of advice I recently read online that followed my previous actions was, only go in debt for things that appreciate in value. houses, education, etc.
That was part of an advice column that also went into details about people making upwards of 250k/year not saving any more then people with much more modest wages.
That being said, I think there is a happy medium where you can be frugal but still reward yourself. Its not that we are all a special class or entitled to nicer things more so then you only have one life to live and atleast try to enjoy most of it,
That being said, I will take every dime they offer me and use it wisely to avoid that very real slippery slope