I think a lot of this depends on your attitude and belief with regards to your ability to generate revenue in the future. I've just been through a challenging personal time with loss of family members etc. and during the past 4 years I've not been able to rely on my ability to generate money and so I've pulled my horns in, cleared all debt and lived a frugal life. Now the fog is starting to lift and I am seeing I am capable and in demand in my specific area, I'm starting to let go a little and trust in my ability to be in work and at a decent rate for the foreseeable future. Whilst you can never be as sure as a perm role (albeit I was put on redundancy list after working like a madman for 18mths on a programme - part of which meant I decided I'd never be put in that position again), knowing you can pick up a contract if you put in the right effort all helps to secure the ability to spend some wonga!
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