I'm fortunate enough to be in a situation where I can afford to spend money on most anything I want. That's not to say I spend indiscriminately, because I don't (I only have a couple of vices: PC games and single malt scotches). But I can pretty much afford to buy what I want if I feel it's worth the money. There are some games in the pipeline here (The Guild Gold, Alien Nations, Gothic 2 Gold, Spellforce Platinum) that look interesting, so I'll probably buy them. I don't know when I'll get the time to actually play them all, but I'll buy them and archive them for later. I'm really, really, really, REALLY hoping to see the Icewind Dale, Planescape: Torment, and Baldur's gate games show up here at some point as well, as they'll be an instant purchase for me.
So, no, I'm not on a spending prohibition, but I HAVE been there and I do sympathize. I hope you guys soon get to the point where you can buy what you like and not have to think twice about it.