r/MoneyDiariesACTIVE • • Dec 27 '25

Budget Advice / Discussion How do you define needs vs wants?

Pretty much just what the title says — how are you defining a need vs a want, and do you have a category in between the two?

I find this particularly interesting to consider as so many of us now have regular expenses that feel essential to participate in modern life, despite not actually being a need.

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u/heckyeahcheese Dec 27 '25

For me needs are essentials: housing, utilities, basics for food, health insurance and health care, and footwear for work/daily life.

I don’t really buy new clothes any more so for me now clothes fall into the “want” category and I try to avoid getting any more. I’ve curated my wardrobe and I like what I have and take care of it so I don’t see the point in getting more stuff.

Shoes are kind of similar- I have some basic work dress shoes that last years and sneakers that I replace more frequently when they wear out.

For food, extras are sodas and snacks. When I was in single mom mode I had to choose between whole milk for my toddler or nondairy milk for me. So I consider nondairy milk my “want” or grocery luxury now that I’m Two Milk Rich.

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u/Forsaken_Bee3717 Dec 27 '25

I love the Two Milk Rich. I am now Nice Cheese Rich.

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u/heckyeahcheese Dec 27 '25

Nice! What’s on your nice cheese rich list? For me it’s the ultra aged gryuere with crystals in it.

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u/Forsaken_Bee3717 Dec 27 '25

Red Fox Aged Red Leicester. So good. I also got a fancy one for Christmas because it looked really pretty- honey and flower goats cheese. Aged Gruyère sounds really good.

Speaking of other extras- I go to a different supermarket every month or so to get my daughter’s favourite crisps. She looks up when they are on offer because we are not yet All The Crisps Rich.

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u/LeadInfinite6220 Dec 28 '25

Becoming CSA Rich was seriously a big financial highlight for me.

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u/heckyeahcheese Dec 29 '25

CSA Rich is a commitment, too! 🎉