[quote=FlyerInHi]Come to think of it, managing your financial affairs well is one thing. But don’t go out with friends and be cheap. That’s very bad. Stay home if you don’t want to spend money.[/quote]

There’s a difference when you are a bachelor that can afford to take risk and live more on the edge versus when you have a family of 5 to worry about, fighting to financially survive.

The last thing lpjohnso needs to worry about is what others think of her. People care way too much about what other people think. As a result, people end up doing a lot to prop up appearances.

People just need to be reasonable presentable, reasonably well mannered in public, and reasonably approachable.

As far as money matters is concern, the question someone should be asking oneself in this situation is “is spending X to prop up appearances really worth potentially losing my home?” Because that’s what it boils down to.

If you’re surrounded by friends that spend like a fiend and you can’t/don’t want to, or friends that make you feel bad because and compels you to spend above your means to keep up, you need to either work on your self esteem and/or ditch your “friends”, because they’re getting in your way of financial freedom.