You may not know this about me- but over the past few years, I have become a tightwad. Yes, I am a plastic-bag washing, thrift-store shopping, aluminum-foil-hoarding, toilet-paper-roll-crushing cheapskate. I wasn’t always this way. Sure, I always had saving tendencies. I enjoyed saving money as a child, and was raised in a family where, though we always had plenty to eat, money was tight. My father was a Southern Baptist minister and my mother stayed at home for most of my childhood. With three children, this put us at the poverty level for most of my childhood. But we didn’t need new clothes, lots of toys, or nice cars- we had a mom who stayed at home, and that mattered much more than anything money could buy. Once we were old enough to go to high school, my mother started working full time and we almost forgot that there was time when we couldn’t buy new clothes or have a nice car. Through a combination of student loans, parent loans, scholarships, and working, I went to a private Ch