[citation][nom]Crashman[/nom]That comment shows how much you know, I own my basement. Well, technically the bank owns it until I'm 70, but after that I'm home free![/citation]
Ya, somehow people on this site assume that when you are penny pinching it is because you don't have a job... The fact of the matter is that there is only a brief window of time when you have money to spend between that first job after graduation, and when life starts to happen.
When you have a few kids, a house that needs constant maintenance/repair/updating, multiple cars, a wife, and whatever other money sinkholes of debt that you end up in either through accidents or stupidity, $20 becomes a real value of currency, and every $20 you can save on something is good. Or rather put, any $20 you spend on something becomes $20 that does not go to something else (which you will probably suffer for at some point down the road).
But for some of us old time nerds, we need that 'one thing' in our life that is nice, and which we can have some pride in. So our 'spare' cash goes into our computers... but we still pinch pennies because we want to keep our basements!
Personally I am hoping to get my basement paid off by the time I am 50, assuming I don't need to take out a 2nd mortgage for something between now and then (like a new roof or something), then it should all work out well!