Am wondering the same thing lately! DH is on a good wage but we have nothing by the end of the month, I've got no idea where it's going. We barely go out anywhere, don't smoke, don't buy clothes except for DS, don't even hire DVDs anymore.
I had to wait for my xmas Bunnings voucher to buy a new doorknob after about 6 months of living with a broken one - couldn't afford a $100 dollar new one! It's ridiculous!