I know I'm really hard up in those weeks when I can't afford to buy the Radio Times, which I regard as 'one of life's little luxuries'. (I know that it's the most expensive TV guide but I buy it for the detailed BBC radio listings, which simply aren't available in printed form elsewhere).
Similarly, if there's only cheap Cheddar in the house (rather than a decent Gorgonzola, for example) it's likely to be because I'm somewhat impecunious that week.
With regard to your list, Bednobs:
I hate olives.
I'm not sure that I've ever tasted serrano ham.
Lottery tickets remain high on my list of priorities, even when I'm really hard up. (It's a small price for a dream!).
I regard newspapers as expensive luxuries but I'll often buy the 'i' for 20p.
Take-aways? I've only had a handful over the past decade. (I can cook a good meal for around a quid; I hate the thought of paying £5 to £10 for something that's not much better)
Beer? That's almost essential (but there have been times when I've only managed to buy a 4-pack of 'value' bitter to last me a week. Sob!)
A cleaner? I simply don't clean anything! (However I regard using a 'service wash' at the launderette[rather than doing it myself], where I get all of my clothes neatly folded and bagged, with my socks carefully paired together, is a 'luxury' that I'd find it hard to do without).