When I went to college, people understood my study habits, but many of my new friends couldn’t relate to my budgeting habits. I was often amused by a certain friend’s reaction when I said I didn’t want to buy something because I didn’t want to spend the money. “Why not?!” he’d ask, slightly incredulous. “I know you can afford it!” Yeah, I had money in my checking account, but only because I didn’t constantly spend it on needless things! I wasn’t a miser or a Scrooge. I’d go out bowling with friends and to the occasional movie, but I was careful and rarely made frivolous purchases. Later I watched that same friend bury himself in credit card debt far too early in life, and I’m so thankful for the responsibility my parents taught me in my childhood.