Rachel-
It sounds to me as if it is a situational thing - that when your financial goals are met, you might be in a different place with fabric buying (or not). Since I organized what stash I have, I have really cut down on buying until I use up what I have. The only problem is, now, I have to buy more to go with what I have in some cases because some of this fabric is all over the board. DH is talking about retirement and downsizing so that is affecting my shopping attitude too. When I was at the Keepsake sale this weekend, I kept thinking "Wouldn't it be nice to buy all the pieces I needed for a project right now?" Then, again, I always did enjoy a good treasure hunt...
Give yourself some space - this doesn't sound like a bad problem and it may change when your lifestyle does.
lots2do