I live in a village and have to drive quite a way (well, 15m each way) to get one.
But I do like them so maybe once a month? I'm single and live alone so its not a huge cost, but that's not the main point for me, it's more about health.
I started a Friday f&c habit but I have knocked that on the head due to them being rubbish around here, so now I buy a box of frozen battered fish and oven chips in my usual shopping and make that my Friday treat, it costs about £1 and is not any worse in terms of quality.
I then also cook in bulk so I always have two types of curry in the freezer, and microwave rice - probably costs about £2 a meal, so far better value and I know what is in it. So, that is sometimes my weekend treat.
Then once every two weeks I buy a ready meal, which is more for variety than anything, so maybe a Thai curry etc, about £3 at Aldi.
So, with all that, I find I cannot replicate the Chinese take away (I don't like pizza, though I always keep one in the freezer for emergencies) so maybe have a Chinese once a month or on special occasions - night before holiday, birthday, new year (which I spend on my own with a Chinese crispy duck!). I can't actually remember when I last had one to be honest.