[marglo]

Yes it is sad. I have a friend who is this way right now. She has a room full of clothes she has bought and never wears. She sells some and gives me some...some of them still have the tags on them! When I mention how much I have each month to spend on clothes...she says, oh, yeah you're on a budget as if it's a dirty word! But in the next breath she is talking about how her money is running out and she may have to get a reverse mortgage in order to live! I tell her that having a budget makes me feel empowered whereas I used to feel out of control, and that soon all my debt will paid off and I'll have more momey, but she just smiles and shakes her head.