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Researchers have found that it makes most of us happy to spend money on other people. But there's a difference between surprising a friend with a small gift and over indulging those we love. Whether it's your child's unending requests for a treat or a toy or your husband's desire for a new HDTV, it can be tough to say no. One way to fix the problem with your kids is to give them an allowance. When they next ask for a toy or a treat, just give them the option of using their own allowance money. If they have to use their own money, they will learn a better appreciation of how much things really cost. Beyond this, you might take the time to create financial priorities with your spouse or partner so you are both aware of where your money is going. And you might want to budget a little extra money each month for indulgences – to permit a few spontaneous purchases.