I'm in a similar, yet different, situation. I work for a seasonal company, so every winter I have 3-4 months of what i'll call "leisure time" – I budget away money for bills and save for the future and feel secure in that regard, but while I always have a surplus of time, my income is somewhat "fixed" and I have to be smart about what I buy or where I vacation. (Still, seems like i'm hiking in Peru this march!)
Spending time on here helps to root through the stuff I want versus need, plus it's better to let others discover why product X actually sucks when you get beyond the marketing hype.
I've also realized that time and money are often better spent on trips and journeys, versus gear. Maybe I would have enjoyed a Cuben duo or supermid on my last weekender of the fall season, but my golite SL3 was good enough to get me on the trail – I could have bought the duomid but then I wouldn't have had the money to drive out 4 hours to the trail head, tolls, campsite fees, and all that.
As for home businesses; the Almanac had declared this winter to be a "Snow-pocalypse" and I got that snowblower when it was on sale to make some extra cash around my neighborhood – so far we've totalled under an inch of accumulation.