I'm a "stuff" girl

So I am sitting here intoxicated by the aroma of fresh wheat bread(3 loaves and some rolls since I ran out of bread pans) pricked with a guilty thought from our sunday lessons. Someone said the three most loving words you can say is "I love you" and the four most loving words are "we can't afford it". You see, I have been procrastinating writing the budget. It shouldn't feel like such a chore.
I guess I should explain the extent of my financial education. My parents started with nothing and still have most of it. The concepts I remember learning were things like pay the mortgage, the light bill, buy groceries and then split up the rest or pay a dollar down and a dollar a day for the rest of your life(for medical bills). Many times the question wasn't how much but how much per month. Although my parents didn't have their first new car until they were in their 40's, I somehow thought I would always have a car payment. In the 28 years I have been making money my idea of a budget has evolved. When I first started making money I spent it almost as quickly with no thought to savings. They some fool gave me a credit card. All hopes of savings were now gone because I had to wonder how I was going to pay those fool things off. After 6-8 years of shear stupidity with money and moving in and out of my parents home, I had racked up about 2-3K of credit debt and a healthy car payment. I was credit debt free when I graduated from nursing school due in part to my parents generously allowing me to live home rent free during school. THANKS MOM AND DAD!
I got a good job but continued the destructive behavior of debt. When I married Lester, he had all the money and I had all the stuff. He came from a saving family. They bought all their vehicles with cash!! Can you believe it? Me neither. Anyway he never wants "stuff" but never turns down "stuff" I get him either. Due to our double income we were comfortable so my concept of budget was pay all the bills and spend the extra. After all it was extra, right?? Unfortunately, my husband has abdicated all responsibility for money to me. POOR LESTER! Probably a year or two ago I was introduced to this budgeting concept called financial peace. Dave makes alot of sense and we quickly paid off the cars and are saving for when the cars need to be replaced, however, I still couldn't master the spend all the money on paper on purpose concept. So this afternoon I have again written the budget. That was the easy part. The hard part will be sticking to it. But as they say, "No pain, No gain". We have budgeted in a great vacation this year(Lester wants to go on an Alaskan cruise) but I will want to spend more money fixing the yard up come spring and since we aren't up to the labor, it will be costly. I also love to buy stuff for the house and fabric for quilting. I have way more projects than time but it doesn't eliminate the desire to have those beautiful and exotic textiles for "just in case". I will have to give up my monthly trip to the ivy cottage in garland who tempts me to come see what's new and get my "free candle". My husband encourages me to go get my free candle and then asks how much it cost us when I get back. Get thee behind me satan!