Are they more like department store cards indicating that she is splurging on clothes? 

2) Laminate Counter tops or splurge for granite?

This is a question I have pondered quite a bit, as I just recently made my first big ticket splurge.

The pitch is non-stop for this, and that's what four (4) "advisers" are there for to help the main instructor Ryan, and spend anywhere from 25 minutes to 45 minutes with each person who gets excited and decides to splurge.

The owner of the card typically designs them or has someone like their nephew or neighbor’s kid, who “is really good at computers,†do the layout and then takes them to the printer and, splurges for the second color and gets them in three days.

I just started The Cashflow Quadrant and actually splurged for the kids version of the board game.

I'm a car guy and personally don't see a problem with splurging on a car if it fits into your plan, you have the means and your priorities are in order. 

Once it's accomplished you can splurge and it won't affect your net worth negatively. 

shop around for cheaper ironworks guys and get a quote. i would image they quote around $800 - $1000 for gating the 1 area between the walls. that should be in your budget and is better than framing in a cheapo lattice DIY gate.if i really wanted to splurge, i'd go with aluminum gate; around here socal many folks including me of amerasian diaspora seem to love the rich modern light silvery look and it imparts heaps of feng shui apparently; doesnt have the black metal bars jail look at all!

Splurge a little on good looking, good quality hardware for the door(s).