I received a letter from my credit card provider a few weeks back congratulating me for being pre-approved for a special cash loan. The amount of loan depended on the available credit limit at the time of application and it seemed pretty reasonable with only a 0.68% add-on rate, as opposed to the usual 3.5% monthly interest. Although to be honest, that's just how I interpret it, for all I know, that's a 0.68% add-on rate to the monthly 3.5%.
Anyway, while scanning the letter and with the thought of easy cash within grasp, I couldn't think of anything I wanted right at that very moment that would necessitate taking out a loan for. Sure I want to have my eyes lasered, but I want to wait until giving birth (no, I'm not pregnant yet) before doing so because our eyes' prescription supposedly change while pregnant. I also couldn't think of a new dress, trinket or even an out of town trip that I wanted badly enough.
These days, my thoughts are mostly focused towards wealth generation* and not so much on accumulation of things. Because first and foremost, our tiny house can only take so much junk. But more importantly, I have everything I want right here and right now.
*Please don't read this to mean that I'm now rolling in dough, I'm not. I'm just more conscious now about how I spend my resources, as well as putting aside money for emergency and retirement funds. In short, I'm now one of those boring and respectable adults I used to poke fun at.