Hi guys, A lot of people become frugal for different reasons. Some people are students just starting out, some people are newly married and paying off a wedding, some people have old debts. In my case, I have old student loans to pay off and old bad spending habits to rectify. Today I was thinking about how much I detest my current apartment and how I've been saving and making sacrifices so I afford a deposit on a better place. I calculated that if I had saved just $30 a week for the last 10 years, I would have $15,600 right now, which would have allowed me to make a deposit on pretty much any apartment of my choice, within reason, and still have money left over. That thought is humbling and kind of devastating. 10 years ago, I wasn't even thinking about moving, but I should have been saving anyway for a rainy day or emergencies. So do you any of you guys have financial regrets and are you making any progress on setting things right?