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yeah - and wisdom and experience!!!

but we are trying to apply that and this year will show the end of a very long journey - and a huge success on that front :)

Always feels great to have that win and to see that control can be gained.

I had one client who felt so good the first time they bought a large ticket item with cash they had saved they were going to try to live without any credit.

It took me a while to convince them, they need the credit rating in this world. That doesn't mean they have to use the credit.

Exactly!!! Save and buy!! It's a great way to really see if you're living within your means!!!