Almost never. I'm a SWE, and even computer peripherals I just request from my work or get scraps from relatives. I take old smartphones and clothes from my brothers, I live with my parents, I pirate and seed everything from books to films, videogames I only do F2P and make sure to never buy skins.
I rarely use my credit card that I don't remember my password for it and I just save it on my phone. I cba to upgrade the card to the chip reader thing where you don't need a password because why bother when I don't buy anything?
Call me what you want, but I am proud to say I will never pay mortgage or rent since I own a house (under construction, zero loans/debt).