Dear Mary: My husband and I have been out of debt for approximately five years. It’s great. The problem is we now seem to spend a lot of money needlessly just because we can. We have so much money over and above our living expenses that it is easy to be reckless.
We keep just enough in savings ($2,000 or so) for emergencies but never get beyond that goal. I feel guilty about this. In a way, it seems like it’s always harvest time for us, but we’re not gathering for winter.
