Budget some money each month towards substantially improving your life.

Look for the best, lowest hanging fruit (ie objects, classes and experiences that will have the most impact per dollar spent)

Ask others to recommend things - so you don't just think of the things you already know about.

Note: I've set up a page to collect these ideas here: http://lesswrong.com/lw/li4/low_hanging_fruit_for_buying_a_better_life/