Our emergency funds are still nowhere near our target, I stopped contributing to my FAMI-SALEF account early this year and I haven't made extra payments towards our mortgage because debt repayment is foremost on my list. Yet despite being cash poor, I can't seem to shake off my good mood.
I'm reminded of when we first got married and were ridiculously broke, I was always worrying and fretting about money back then. This time around, although our savings are back to near zero levels I don't find myself worrying as much, because I know that all this low balance shtick is merely temporary. This too shall pass and soon enough, I'll be back to my desired financial ninja status.