[tinapbeana]

I must admit I am mostly blessed in the area of frugal family. My mother is one of 6 kids who grew up on a farm, her mom was one of 7 who grew up as share croppers during the depression. As you might imagine: HOLY COW are we a frugal family!

At the same time, I feel almost like the spendthrift of the lot, which is no fun at all. IMO, I've let them down by getting into debt when I was in college (even though it's not something most everyone even knows about). Granted, I was the first one to go to college, but that's neither here nor there.

DH comes from an exceedingly frugal family too: a SAHM and father who is a pastor/contractor. Even now they make less than 20k per year and live quite well. And that leads to my confusion, b/c DH is quite the spendy personality type, and feels if there's enough in the checking account to cover it, we can certainly afford X. ARRRRGH!