
Is your lifestyle sustainable, given your current means? If it isn't, such as if you rely on payday loans as a normal method of getting from paycheck to paycheck, you might want to consider scaling it back a ways. Think about how much money you might be spending that you just don't have to, in having to pay someone else interest for short-term fun.
Do you really need a new computer every few months? Do you even know how to use the phone you already have, let alone a newer and more expensive upgrade? If these answers are not yeses that you can back up with hard facts, then you've deluded yourself into believing what the marketers want you to believe.
There are a lot of people who get paid very well to convince regular citizens they need to buy the latest whatever. According to them, you can never have enough. And so many people have gotten hooked on this desire to constantly buy more and more. It comes as no surprise to anybody that those people spend most of their time broke. It is bad enough to spend all that you make. And it is more than bad enough to drive yourself into debt over things that will not help you. But the worst is when you resort to payday loans as a means to finance a technology habit.
This is just as bad an affliction as getting hooked on cocaine. While the rush might not be as strong, the overall effects can be just as devastating to any attempts to build wealth. You can't have everything now, and also have it all later. At some point, something is going to have to give. Unless you are among the rare few individuals who have already built independent wealth, there is a limit to how much technology you should be buying. Spend wisely.