I was in fortunate to be raised by a wonderful single mother who always did the best she could to ensure I received everything that I needed. However, I can’t remember a time in our lives where money was not a problem and our main way of dealing with this problem is by being frugal. We were a team, and each other’s rock. That was our way of dealing with the indulgence of luxuries that we couldn’t afford. It sounds easier than it is but, it requires a lot of self-discipline and self-motivation. We needed to truly believe that the situation would not always be like this and one day…