I think there's still something to be said for not being too obsessive about squeezing that nickel. In my younger days, I saved every penny I could. When I got married, I brought frugal ways and a savings account with me; my husband brought some debt and a wonderful zest for life with him. I still think that, if I hadn't met and married him, I'd have a huge savings account by now but no fun to show for it. As it is, we met in the middle and have had many good (and fun, thanks to him!) years together. In your "conversion to LBYM", don't deny yourself small joys like tipping a waiter 50% of your bill when dining alone and having received terrific service or handing a stranded family on the roadside your last $20 for gas. (My husband did that the other day and I gotta tell you that some might call him a sucker, but I just love him for it. Yep, we'll never know how they spent it, but the Great Accountant upstairs does.) There is joy in letting money go sometimes. Just my $.05.-Blue
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