I have a friend like this who is always complaining about not having any money, but every time I turn around she and her BF are going to concerts, or she's bought a new vehicle because she got into another accident (she's wrecked more vehicles than everyone else I know put together) or bragging about her Oilers (hockey) season tickets...they also don't live right in town, it's about an hour and a half drive one-way so every time they decide to USE their season tickets (and you have to use them for almost every home game for it to be worthwhile) they also rack up the added expense of gas and usually a hotel, because by the time the game's over, they've either had too much to drink or are too tired to drove back to their town.
And she wonders why she never has any money, none of that stuff is cheap! (Nor, IMO, is any of that stuff NECESSARY) I've been to ONE concert in the past ohh...three years? Four years? It's too expensive and even though there have been plenty of bands through town that I'd love to see, I just couldn't justify the expense. And now the aforementioned friend is saying what a lucky dog I am to have been able to buy a house, and how much she wishes she and her BF could buy a place...well..umm...I can never really think of a nice way to tell her that maybe if they stopped wasting money on so many frivolous entertainments, they might be able to put a down payment away faster...I went without pretty much all but small luxuries (the movies every couple months maybe, buying one or two cheap books at the used bookstore) so I could afford to buy my home...and I did it by myself, without the benefit of a second household income. It CAN be done, with some self-control.