It takes me months sometimes to make a large purchase, meaning something say over $200(outside of bills of course) unless it's totally necessary. A couple exceptions were, A few years ago on my prior car, I took it into the shop because the brakes felt funny and were grinding. Ended up being a $1200.00 repair, I had to pay it because it was a safety issue. Same thing when I had to go to the ER this past December, I put it off and hoped my issue would get better but after days of pain, I had to go but knew it would be multiple bills after.
So an example of putting something off was I had this crappy laptop that was slow and would freeze a lot. Also, had a big crack in the plastic housing. It was frustrating to use but it got to the point where " the blue screen of death" came up quite a bit, so I gave in and bought a new one. Within a day, I had wondered why I waited so long.
Another was getting a new refrigerator at my current house, the old did the job but was slowly dying, the temperature adjustment had to be set higher than you normally would and it took forever for stuff to get cold. I got sick of it at long last and bought a new one. With my new one, it's amazing how fast it cools off.
I think for me, it's feeling guilty about spending money at times, even though I feel I spend too much at times. My mothers side of the family were notorious cheap skates, The great depression had everything to do with it but they honestly got carried away with it at times.