“Self-esteem will increase when we increase our sense of being financially responsible for ourselves.” – The Language of Letting Go 
I wasn’t raised in a household where fiscal responsibility was modeled to me. I had some examples of earning money but none that showed me how to conserve or retain it. Rather, what I mostly remember was spending – and lots of it. So it’s not surprising that I generally have bought myself and my family most anything we’ve wanted – I’ve always figured, oh well, I’ll put it on a credit card and just have to make more money. As a result, I’ve always felt under the gun. These days I’m beginning to have some restraint on spending in order that I may build a secure financial future that can last the rest of my life (46 years more). I’m not getting any younger but I can surely get even happier. ILML!