I am a saver. In fact, my family accuses me of being cheap. I like to think of it as frugal but truth be told, I am tight with a buck. I grew up in a one income household, and my mother was a wizard at making money stretch. My dad would bring home his paycheck and my mother would work her magic. I watched her meticulously pay the bills and balance the checkbook every month. Despite a tight budget, there was always food on the table, a roof over our heads and clothes to wear. I never went without something I really needed. I felt very fortunate.