the guilt you are feeling about spending money, perhaps self worth, are preventing you from seeing your needs. when it is about your health and welfare, then it is a need. eye exams are recommended once a year. you shouldnt go more than two years. if your prescription changes, it is a need. if it is about the money, zennioptical.com has glasses starting at 6.95 plus 4.95 s&h and they have never failed me. i get my bifocals there for about 40 bucks instead of 2-300 at the store. if your clothes are ill fitting and holey, this reduces your self-esteem. you need new clothes. employers and others will hold you in higher respect. working two jobs puts a lot of stress on you, especially if you are over qualified. getting a job at your educational level that better fits your schedule is better for your emotional, mental and physical health. this is a need. the mattress? is the foam enough? are you waking well rested? does your body hurt? do you have problems sleeping on it? if it is negatively impacting your sleep, then you need a new mattress. if not, then it is sufficient. but it is not like you have to go out and buy an 800 dollar mattress. I paid 75 dollars for a nice antique bed that came with a very nice mattress and box spring on craigs list. winter apparal....you said it....you need it to stay warm in the winter....you need it.....but do you need to buy it at expensive department stores??? no....if you shop around, there are cheaper ways to get everything. you can find very nice things at thrift stores. the new tv i bought, did i need it? everybody has flat screens. mine was from the 90's. it worked just fine even though i had to buy special hook ups for it. no i did not need that. i had a tv that worked. it is about taking care of yourself. you are worth it. figure out why you think you arent. take care.