Kristy J
Don't feel bad. There might be people who are lucky enough that they don't need it, but there are just as many that do.
We barely scrape by every week & we have NO luxuries - I mean a few drinks with mates every few weeks means we have to cut back with food shopping & petrol for the week.
We don't need the money, but it will help us out sooo much.
I'll be happy though to put nearly all of it away. Lord knows I could pay out some debts, but having a DH who is no good with money (I have to hide it) & not a cent behind us, I would really like to put it into a savings account.
I've never had spare cash on me. Or in the bank. If something goes wrong we either have to borrow, or wait. I want the back up there.
The next time one of my appliances blows up, I'd like to be able to replace it, rather than going 2 months with out. (Had to do it recently with out the washing machine, with 3 kids. Not easy)