I am fairly secure financially and do have $$ to spend. however, I have a little voice inside me that keeps telling me to "save for a rainy day" (or my old age). The possibilities of what i can better do with *disposable income* open up every day, rather than pour it down my throat.
I don't have to scramble, i keep a slush fund...which is now going towards some minor home repairs...(new front door and storm door)...no problem, no extra bill on the credit card.