I've been working full time as a nurse for 5 years now, and I do have expensive taste in clothes/shoes, etc. Luckily, I grew up knowing the value of a dollar and when I started working, I set up a separate checking account just for shopping, nice makeup, getting my hair/nails done...basically all the girly non-essentials. I pay myself into that checking account every time I get paid (as well as pay into multiple savings accounts). I only buy for myself out of this account, and if I want something and the account is drained...I don't buy it. During this time I paid off credit card debt, saved a ton of money, and bought a brand new car (Subaru) which is completely paid for. This method has worked great for me and the only debt I still have is student loans.