No. of Recommendations: 0
I can genuinely see that she has learned her lesson and is trying hard to get out.

This is a good thing, then. :)

I think there are some people who are naturally frugal and good with money from birth. There are a few on these boards, in fact. For the rest of us, the skills come later, and they come with time and practice. The important thing is the shift in mindset. To me, it happens when you stop seeing money as something that just sort of flows in and out of your life like water, and start seeing it as something that you can control and use as a resource to make your life more stable, responsible, and secure (and fun!).

When you say she has expensive taste, do you mean in everything? Or just in some things? I think that for most people, there are some things it's worth paying more money for. (For example, my DH and I live in a pretty expensive apartment. We love it for the view, the building, the location, the amenities and the convenience. But our groceries are all generic, we brown-bag our lunches, we're total coupon hounds, and we fill up our car maybe once every six weeks. This is how we afford the apartment!)

So if she has expensive taste in, say, shoes, but is cool with Target handbags, I'd say that's more than understandable. But if she just buys expensive because she thinks expensive always equals best, that might be something she'd want to look at. In which areas of life is expensive really best? Are there areas she's willing to cut back on? (Of course, it sounds like right now she's cutting back on everything, which is commendable when you're paying down debt!)
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