Sacrifice in other aspects, like clothes shopping :-)!

You can stuff too many clothes in a washer, or not change the lint filter in a dryer, let the washer go out of balance and damage the unit. 

That's one reason I don't look down on the people buying shiny new cars, clothes, stuff they don't need on credit cards.

Or what about all the pet hair on clothes/furniture.  

He said unless it states that the home can't be rented, nobody can tell you who can be in your home at any given time, what kind of clothes to wear, or what to eat for breakfast.

Spores travel readily from outside to inside in the air, on clothing, etc., so it is obviously silly to think that one should attempt to eliminate all mold spores in the indoor environment.However, germinated mold colonies growing on structural elements in building structures do not belong there.

Has plastic blinds so no cloth curtains to worry about there. 

They'll all just tell you they're smoking outside and it must be on their clothes, etc.  

And I'm old enough to realize that even though I don't have anything very fancy, when you look at replacing your furniture and clothing and pots and pans and bedding, let alone your electronics, it sure adds up in a hurry.I have never needed my homeowners or renter's insurance policies, but I would never be without them.  

What isn't safe is putting every dollar into clothes, rims, neighborhoods as a status symbol so the Jones's think you're ok.Bless them.