It’s a pretty typical story.
Person reaches a financial breaking point. Person begins to use frugality to cut back strongly on their expenses. Person pays down their debts and begins saving for the future. Person begins to feel a whole lot better about their financial state.
At that point, many people reach a crossroads. They begin to ask whether or not it makes sense to keep being so frugal. Once you have a healthy amount of savings or investments, is there really a reason to continue being so frugal?
Whenever I hear that question, it serves as a recognition to me that there are two ways to look at frugality.
Some people look at frugality as a tool. Frugality is something you choose to do to extract more money by doing things differently than you would normally do them. If you begin to feel like things are in a financially good place, it’s tempting to put that tool down and not “work” as much.
Dispatches From The Front 