Peanutter I am another book lover here who will happily buy a book rather then borrow, so no judgement there!

Where do we spend our money on:

Private schooling
Overseas holidays annually - usually for anywhere between 3-6 weeks and most of the time in Europe. This year we are taking the family camper-vanning around NZ for 3 weeks in May
Mortgage
Fruit that is a bit more expensive then the norm (bananas when $20 a kilo)
Meat from butcher as opposed to a supermarket
Hairdresser every 6 weeks ($140)
Chiro every fortnight for me and every 2-3 months for kids ($35 per session)
Occ Therapy sessions for DS ($75 per week)
Kids are currently doing this term - piano, dancing, swimming, soccer and gymbakids (total cost around $900 for the term)
Contribute $600 to my parents mortgage every month (have been doing this for 4 years now to help them out as they were struggling financially)
Sponsor 3 world vision children at a cost of approx $100 per month
Contribute around $400-600 per month into ongoing investments (shares etc)

Ummm that is all I can think of besides your other normal things - I suppose the above things would all be considered luxuries, and in reality if we cut out things like the holiday etc we would be paying off our mortgage a lot quicker but that doesn't concern us...we want to live and enjoy ourselves.