Today is payday and I’m a bit closer to paying off all of my bills.  Not as close as I’d planned, after taking a trip to visit my niece, but I’m working on bringing it down to 0 and then to start saving.  I definitely didn’t have anyone teaching me about how to balance a budget and to be frugal and saving.  I’m glad to see my siblings teaching their children better.  Fortunately, I don’t think it’s too late for me to get my act in gear and plan better for the future.  It would have been a lot easier if I’d started earlier though.

I can recall my parents arguing about money when I was growing up.  How they would spend money without telling each other and be in the hole, that my grandmother would usually dig them out of.  As kids, we’d cringe and hide while they fought.  That was definitely unpleasant and probably part of why I never really addressed the correct financial behavior.  I had (have?) a lot of shame tied up in that feeling of failure.

This is definitely one of the areas I would “do over” if I had the chance.  Another one of those, “If I only knew then what I know now…”  😛