Some people like Toyota Corollas, while others will settle for nothing "less" than a BMW. Some people can do with a Casio watch, while others swear by more high-end brands like Movado. Some people must have a "10" for a partner; others are perfectly content with a "4"  as long as the person has a great personality. People often use words like "simple," "non-materialistic" and "low-maintenance" to describe me. As I've stated in earlier posts, I'm almost completely impervious to the avalanche of advertising appeals that most people fall prey to. (It also helped that I majored in marketing and minored in psychology.) I'm not saying it's bad to splurge on an item here and there, but I've found that far too many consumers have no concept of what it's like to live within their means. An urge to splurge will suddenly come over them at the mall, leading them to rack up ever-increasing heaps of credit ca...