Night Owl Cards

I am not poor or disadvantaged. But watching how I spend my money has been a necessity most of my adult life. I work in a business with an average salary that would make a teacher snicker. Counting dollars is a way of life. So for decades I have carried that mind-set. Can I spend money on this ? Can I spend money on that ? Can I spend money now ? No, not this time, I have to wait, wait until a different time of the month, wait until that bill is paid, wait until the car is fixed. Year after year after year I've done that, the budget always hovering over my head constantly, a presence, always there. Some would call it a struggle. But I've always been a nose-to-the-grindstone person. Just get done what you must to get it done. Go without if necessary. The name of the game is to live. We'll get to that other stuff if we can. I've sacrificed without calling it sacrificing. Scrimped without knowing I was doing it. Declined with barely a pang of sorrow or guilt. It'...