I've been following Crown Financial Ministries for years and appreciate your advice on avoiding debt and putting God first through tithing, but is there ever a time when you SHOULD spend money?
The short answer to your question is YES. Let me offer two times when it is good and right to spend money.
The most appropriate time to spend money is when it meets the needs of your family. We are admonished in Scripture to take care of our family. They are our priority in spending. We should never feel guilty for spending money that is used to take care of our spouse and children.