I put a lot of my earnings back into my business and there isn't much extra. I do many of the home fix-it projects myself because I can't afford to pay anyone. I rent videos instead of going to the movies and get books from the library. On my recent vacation, I stayed at AYH hostels and ate trail mix. I rarely eat out and don't have much latitude with my money.

However, I have never been in debt. My house is paid for and I have medical insurance. My extravagances? This computer, for starters. I waited over a year to get it because I wasn't sure I could afford it. Also, I buy gorgeous well-made furniture that lasts forever; I haven't replaced any of it yet and really don't intend to. And every other year, I buy a piece of art.