About ten years ago, I got serious about finances. The most obvious reason I buckled down was because I’ve always had so little of it. Back in the day, there’d be many occasions when I only had ten bucks to my name. Too, I’ve only ever held low wage jobs, so I had to figure out how to make every cent count. It all began with a simple equation. Before buying something, I’d calculate how many hours I’d have to work for it. After I began thinking in these terms, I began making different decisions.

from Amy’s Humble Musings; read the rest here.