It's a very broad question because everybody has a different idea of what confort means. For some people it could mean eating just bread and onion (it's an Italian expression ), for others it could mean eating out just 2-3 times per week instead of doing it almost daily. Personally I try no to waste my money in useless stuff like designer clothes, new cars, etc. But if I actually need something I just get it. I'm not so sure about other people, I know some friends of mine became more cautious with the way they spend money while others no matter how many expenses they have, they just keep spending more and more, if I were in their position I wouldn't be able to sleep at night...