[Sylvanfan]

Well my wife just had surgery today and will be off work for two weeks. So that's just under the number that most Canadians can't come up with. Bad timing too as we just fixed some flood damage in our basement meanwhile my wife paid $600 to take course 5 of 7 to maintain her job title...something her employer does not re-imburse, plus attended a conference in Calgary that was career related. All in about $2500 out of our regular spending account which put it at the lowest level it's been all year. I might have to raid my savings For the first time since I've been back to work.

Basically when you're 18 and single you need next to nothing. I know when I was 25 I had no debt, had piled up a heap of savings. Years later, it's a good thing I saved money young...I can't seem to keep any today outside my paltry 10% RRSP contribution. Sad that all I really have is a really below average house. But every freaking month I seem to get hit with some unseen expense that takes 2000 out of the bank account. Factor in pay cuts from the recession that I still haven't made back, daycare expenses, about 500 a month in uncovered extended medical expenses for the wife.....there was no way I could have anticipated these 10 years ago. Really it's how much life changed that I didn't anticipate.

If I had kept that life style of my 20's still, I'd easily be without any debt. My wife on the other hand...if she didn't have my to supplement her income, she would likely have drowned in debt years ago.