I hate debt.

Interest payments on borrowings are dead money.

I always work on the principle of having money to buy and having money to save.

Savings are important. They are enhanced by budgetting to meet expenses.

In budgeting, I ensure that splurging is avoided. Money is not treated in a miserly or penny-pinching manner. It is spent sensibly and saved prudently.

Budgeting is important and accountability critical. I would not have it any other way.