The one truth I can give (from my limited experience)
is that everything
is worth just a few dollars more than I have/am willing to spend without
making those nasty bills wait another month.
Sell a few items and use PayPal, once you have a balance just limit your
purchases to whats in the Paypal account. Generally I am still my "frugal"
self, but if it fits in my PayPal funds I don't often deny myself much of
anything anymore.