Often, when I consider our budget, I resent that it's there. It annoys me when I think about the money in the savings account that I can't use for the things I'd like to use it on. The discussions about money chafe at me. I know we have a limited income and can't spend freely. Pretty much everyone is limited by the amount of money they're making, whether that's 100,000 per year or only 20,000 per year. I'm not alone in struggling with this. And I know the decision to live on a cash economy (no credit, no loans beyond student loans) was made jointly. But I still am unhappy having an allowance for personal spending and needing to stick strictly to the budget to build the savings account. Does anyone have trouble with this? How do you work to change your feelings and be more willing about budgeting?