"So why not just run out and buy a new computer?" , you say. Well, we want another Mac. They are pricey but worth it. We want to buy a new, not used as before.
Secondly, the Governor and his furloughs are why! At first, it was two days a month. Next, it was three. It has now become 25 percent of our income. So most of our discretionary funds are gone. We are lucky, compared to most of our friends. His co-workers are losing homes and having to file bankruptcy. A few with dual incomes at that.
We have done well with living within our means. We have been credit card free living since 1998 and don't want to start now.