Financial adversity can be a great teacher, in your case I think this has certainly been the case. I went through it also and it almost broke me, the circumstances around it more than the financial aspect, but I learned valuable lessons and have carried them forward.Once sensible habits are formed around spending and saving a person can simply move forward and fine-tune it as circumstances dictate. Being ion a position of that nature, maybe not rich but not buried in debt, then options open...That's when things can get interesting and one begins to enjoy life a little more. Well done on turning your financial postition around!

!ENGAGE 25