Yeah, lifestyle definitely plays a part in all of this. I don't know as though I have ever owned the latest and greatest phone except maybe my recent one which work paid for. Typically I buy the two or three year old model. Insurance is a total racket and the inflated prices on necessary hygiene products are a joke.
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When it comes to hygiene I mostly get by with toothpaste and soap. There's a lot of products that are more about marketing than necessity.
I think we have an easier go of it as guys.
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We do. We're not generally expected to splash out on make-up and fancy clothes. There's a vast marketing machine trying to persuade us to spend on stuff we don't need and you have to decide if you opt out of that.