Honestly, I'm going to give you some advice that I struggle to follow myself.

Think of someone you love. And then imagine they have the EXACT financial situation as you. And they tell you they need/want something. What advice would you give them?

I've been having heart palpatations and my arm is numb, but I have such a high copay. Would you tell them, "Yeah, it's probably OK to put off seeing a doc and see if it just goes away on its own"?

I literally have not bought new clothing for myself in 3 years, and my pants are becoming threadbare. Would you tell them, "Yeah, you really don't deserve new pants until you have another $2,000 in savings"?

See what I am saying? Thinking of a loved one helps you love and respect yourself a little more. And trust yourself. You know you wouldn't steer your loved one wrong. Why are you doing it to yourself?