I am sitting at my computer thinking how grand things are. It's amazing how things like the weather can affect one's mood. Of course, most other things in my life are going well, so this probably adds to my satisfaction of the moment.
Probably a component of being happy and approaching 49 years old includes the security of having some cash in the bank. We're fairly frugal but I suppose this term is open to interpretation. Our combined salaries have never been much compared to what many others pull in. I am sometimes shocked when I see the annual salaries for many types of workers. What do they do with it all, I wonder? Okay, there are certainly some personal priorities at play. For example, we annually spend more on travel than many people do in ten years. Surely, others choose to spend in different ways.
I think I define being frugal as never spending more than one has. In fact, a little of every cheque should always be saved. I don't know exactly how I became so debt averse. I've never been in a situation where I had to borrow money. In my life, I only paid back interest on college student loans that amounted to a few hundred dollars. Other than that, I have paid zilch for the chance to use someone else's money. I suppose some folks total fees for borrowing money equals years their salaries. No wonder why I don't need to work too much!