I have had a love hate relationship with my finances for a good percentage of my adult life. The other day I was out shopping with my sister, and I said she was so frugal when it came to purchasing something. She said that she got our dad’s frugal genes and I got our mother’s frivolous genes. In the last two years, I have improved my financial situation. My “it’s not cute being in debt” Aha moment really changed my life.