Growing up without money gave me a strong drive to save. When I was in elementary, I always put the 5 cents that mama would give me for my baon in an empty can to save it. When it reached one peso, I gave it back to her and told her to buy me a pack of delimon in tow. She asked me what I need delimon (type of candy) for and I told her that I would sell it to my classmates, I think I was in Grade two then lol.
Then when I was in High school, the teacher that was paying for my boarding house, she always gives me allowance. I asked her how to open a bank account and that's when I started saving a little bit of money. When it comes to being frugal, you can count on me for that. Sometimes my husband would make fun of my "being practical." He is an spender and I am not so there are times that we disagree with spending habit especially when it comes to kids. My mentality is always "do they need those things" and his is different, he always want to give the kids everything they want.
When I first came here, we got I think almost 17k of credit card debts, then I started managing our finances and slowly paying it off. We cut some "wants" and just concentrate on our "needs". Especially that until now my family back home still depend on me. Haizz, life is hard when a lot of people are counting on you. That is why when my youngest sister told me that she wants to quit being a working student, I was pissed. I can only help but you have to help yourself too.
Oh well, before my post go to another topic, I'll end it here lol. I can say that I love me.. financially.