When I was growing up my family didn’t have a lot of money to spend on luxuries.  In fact, I can remember rooting around in our couch cushions trying to find spare change to buy gas for my '69 VW Bug.  With a 10 gallon tank and 90¢ gas you’d be surprised how far I could go after a little scavenging.  Thankfully, today I can fill my Honda Accord’s gas tank without having to tear through our living room couch cushions, but, I still have a tendency to view money as a very limited resource.  Some would say I'm frugal, others stingy. Either way my past experiences directly impact the conversations I have and the decisions I make with my finances.