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I’ve noticed a backlash against frugality as well. It’s sad that Americans aren’t willing to sacrifice in order to get ahead.
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This sounds a lot like my personal finance management style- no frills and easy to use.
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This is a great idea to use gift cards to budget for your guilty pleasures.
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I got on the Internet Archive page and found the very first web page I ever created. It’s about 10 years old and I made it when I was big into swing music. It was fun stumbling on this again. Warning: Very bad HTML design.
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Frugal Law Student Retro: I tried buying gold after I read that it was hot. The next week the value of gold plummeted and I lost a couple hundred bucks.

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