In our society, it is not easy to live a frugal life. We are surrounded by influences which may cause us to do things that aren't quite financially responsible. From fancy dinners to exotic vacations, the LGBTQ community loves to flaunt our fabulous life. Unfortunately for some, they are piling on debt just to keep up appearances. I used to be the exact same way until I realized that I didn't care what others thought of me, or my Target shirts.