I have an IRA, an emergency account, a car account, and a christmas account...
There are literally tons of things I 'could' do but would feel guilty about putting the money there...like for instance, we just bought our house in August, and we have a sitting room and a formal dining room with ZERO furniture in it...obviously we couldn't buy a lot of furniture with that money, but we could buy something..
I have no credit card debt, but we do have DH's school loan which we pay on each month...so I could put an extra couple hundred on top of our regular amount this month...