bagofmilk i know what you mean about goth hijabi, not me but i had a fair few friends who sported that look. punk hijabis and emo ones too, i was totally not like that when i was younger, probably more what originalmavis would describe as po-faced lol. id dress in black abayah and hijab all the time as i thought anything else would be shallow and ostentatious, wore 3 sizes larger than i was to force myself to rise above any sense of vanity, never wore makeup, and wearing hijab was an excuse not to bother with my hair! believed spending money on oneself was frivolous, all of one's excess money should go to charity of course...etc. then somewhere along the way i learnt that looking frumpy wasnt islamic, indeed 'Allah is Beautiful and He loves Beauty', and i saw a few sisters who i looked up to in their deen take a more balanced approach to their appearance and also their worldly affairs. and slowly i got rid of the guilt that i wasnt a natural ascetic like the great sufi saints of old who i looked upto!
i think the catalyst was having children as they tether you to the dunya/temporal world a whole lot more. men as well as women, you start thinking about the future and securing as good and as stable a foothold in it for your children. something i didnt care about for myself suddenly i wanted my children! i wanted them dressed well, nice hair, good clothes and shoes from 'naice' shops etc.
.especially being aware of racist or cultural assumptions that 'oh they just pop kids out one after the other they dont take care of them well etc'. for their self esteem and mine, i thought if i choose that lifestyle for myself thats fine but its not fair on them to force them to the minimalist way of living with other things to be hard on them in the future.
if Allah blessed you with wealth there shouldnt be any guilt in that sis and you've got the right mentality about it which is to give charity/sadaqah on it as well as use it for yourself and your family.
"And give to the kindred (relative) his due and to the Miskeen (poor) and to the refugee. But spend not wastefully (your wealth) in the manner of a spendthrift." (Al Quran, 17:26)
as the Quran says i try to make sure to help relatives in difficulty, and to send money for the poor and refugees (ibn as sabeel) but even in that not to be wasteful. the important religious inheritance law that it is better to leave money to your children than to give your wealth away in charity implies that you build up and save something to pass onto for them. the sharia rule that only 1 third can go to non heirs in sunni religious law is from this hadith (featured in 5 different hadith collections)...
Narrated Sa'd ibn Abi Waqqas (RA): "I was stricken by an ailment that led me to the verge of death. The Prophet came to pay me a visit. I said, "O Allah's Apostle! I have much property and no heir except my single daughter. Shall I give two-thirds of my property in charity?" He said, "No." I said, "Half of it?" He said, "No." I said, "One-third of it?" He said, "You may do so, though one-third is also too much, for it is better for you to leave your offspring wealthy than to leave them poor, asking others for help..." (Sahih al-Bukhari, Sahah Muslim, Muwatta, Tirmidhi, Abu Dawud and Ibn Majah.)
the prophet (pbuh) said upto 1 third but even that was too much, and that it was better for that companion to leave his daughter with a large inheritance and so not in need of asking others for help rather than giving all away in charity.