One reason I haven't saved much...
I've been supposed to be saving like a maniac ever since we paid off the mortgage 4 years ago. But I haven't saved that much in my savings account.
We're not extravagant, but of course it's easy to nickel-and-dime yourself into debt.
I was feeling like a failure, until I looked at how much we owe on our HELOC that we took out to redo the kitchen: $8,000.
But we SPENT $30,000. That means I spent $22,000 in cash on the kitchen--so of course I couldn't save it!