Having a separate fund for the things in life that happen, helps keep the emergency fund in tact in case you lose your job or income.

You still need to save but being debt-free in retirement is and should be a goal.

Light has a way of keeping people honest.

So many people joke that life with me - a professed lifelong penny pincher - must be tough. But [my husband] is a great money manager. And he helps me let go of my fear of spending while still being frugal.

We all fall - even me.

I use my financial values to set my limitations. I have three children I want to put through college debt free. So that means I can't spend wildly or with disregard.

Always keep an eye out for other opportunities.