Here in the west we have this habit of extending our lifestyles to exceed our incomes. Advertising makes you desire more stuff and then you go an buy it, convinced that you are not very well off, that you deserve more luxury. We always seem to believe that our neighbours and friends are somehow further ahead than us.
Good news is you are well off, and you’re going to be fine without that new toaster. Live simpler and give more, then you'll be doing more than getting by, you’ll be living!