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I was skating along pretty over the past few years. I own your house that I love, are employed an industry that pays pretty well, had an ok bank account - not as much as Suze Ormond recommends, but enough to feel fairly self-assured. I could go out to dinner, buy Concert Tickets, take trips, and don't worry whether I could pay my mortgage. But now, I am not sure anyone offers not been affected from economy. Layoffs, pay cuts, reduced various hours. Add to that any unexpected issues (for me it a collapsed sewer pipe, which Certain wish on the worst enemy), and your once comfortable existence may be getting slightly tight.

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