I'm so excited over learning to be frugal...research...research!!! Why oh why, spend more when you can spend less. I think the first person who really gave me a "wake up" call about money, was my friend Kasia. She is from Poland and very savy with money. During a conversation of ours it dawned on me that living on credit wasn't a normal thing. In America we tend more towards buying now and paying later...as time has gone on and I have choosen to keep learning...I'm going to be set free by frugality and no debt. It doesn't have to be so hard...at least not all the time!!!!