Replies to 'Debt'

Thank you for your reply. 

Yes, I have money at the bank that is placed at a high interest. I get the interest in my bank account every year and an other amount is placed and the interest is re-invested. I am glad about it. 

Those are not stocks, because I don't really know the stock market and yes, i am kind of afraid of it...  

About the spending habit, I have a week off at my job soon (Yay!) and yesterday, I had the reflection that for this occasion, I could allow myself one facial care at the spa (it relaxes me a lot and I haven't had any since 2003...), a nice supper at a unexpensive mexican restaurant (they serve your plate and you can refill it as much as you want during the night..... my bill including dessert, beverages is never higher than 15$!) with a friend and a small amount will be dedicated to spring shopping. 

Before going shopping, I will check my closet to see what still fits of course.  I live in Canada, so the current sales are only for winter clothes like fur coats, high collars shirts made of whool LOL... but I will still check if I could find cute items in the sales racks. 

Everything will be paid cash of course and i will leave my credit card at home. 

Thank you again for your advice!