I have a part time job, and I save everything I can! I never spend my own money if I can help it (call me a tightwad, meh) - like on lunches and stuff. I live at home, so bringing a packed lunch costs me nothing. I guess you just have to proiritize your 'needs', and doing some simple math can make it easy to see where pinching a penny could be useful.
Of course, I don't have a DSLR yet... But I've kind of arranged for the body to be a grad gift from my parents, and then I'll buy all the lenses and stuff, which is really adding up.
And I don't have a car or anything yet. I do, however, partboard a horse, and that takes $275 from my wallet a month, in addition to the equipment.
I'd like to hear what others are going to say...