I was in a fender bender this past weekend. It sucks, but there you have it. No one was hurt, but I have expenses now that I hadn't planned on. Rental car ... deductible ... mental and emotional health (believe me, those last two items are big expenses).
The good thing is that at least I have the money to cover the financial part of it. Four or five years ago it would've really hurt.
Also remarkable is that I'm back to being debt free. I just scheduled the payment for my new computer and the awesome, gorgeous new rug I bought for my living room (on sale for $179 from nearly $800), both of which I put on AmEx. I wasn't thrilled about taking that chunk out of savings, but it was either that or incur interest. Since my savings earn less interest than what is charged for credit, it made more sense to pay it off.
But ... wow, do I ever hate seeing my savings balance go down. Hate it. Just wait till it's time for me to plan (and pay for!) my vacation. By then I will have saved more money, and there's an "extra" paycheck coming in May. I will be able to afford for it, but I will hate spending the money. At some point I've got to stop getting twitchy when it comes time to pay for things.