Momof4, I was debt free until I've got married We(well my husband) have a house so if we sell that one we will be debt free with no house. But we can start saving and can buy another one. I was and am always good with money. I don't even have a credit card. IF I have money in my pocket I will buy if I don't I won't. And also I'm never in desperate need about anything. I shop around and compare prices and when the item is on sale I purchase. For example, I buy toothpaste, toilet rolls, mouth wash etc. whenever they are on sale. I buy them even though I don't need them at that time but I know I will need them so I stock up. That was one example. And I never ever buy or would buy anything to show off people. I don't like to show off and no body needs to know what I have and what I don't have.

I think managing money starts from home and when young. My parents were and are good with their money so all my siblings. Our relatives and neighbours admired them and wondered how can they raise 4 children without breaking the bank? Now we all are studied and holding decent jobs.

We have to be very carefull with our finances and should not mix with what we need and what we can afford. And stay away from the banks!

Cocoon