We are fortunate to earn good money. Our mortgage is huge, though. Our house has increased 60% since buying 6 years ago. I don't often worry about money, but earning a decent wage like my husband means we don't have to scrimp. We have good amount of savings for a rainy day and if it gets used up, we are fortunate that it doesn't take long to build it up again. As an example, in the last month, we have had so many bills that had to be paid, including
$750 tax bill
$551 business bill
2 x car rego and insurance ($1700)
$1000 medical bill for my husband
$320 medical bill for my daughter
And also we have had electricity, mobiles, Internet, childcare, mortgage.
plus my husband missed 8 days of work which he doesn't get paid for as he's self employed.