I have money issues that I personally feel embarrassed about it. I have more money than most but I watch every penny I spend. I pay my credit cards in full and will not spend beyond my means. Most people I believe carry a balance because they have to to pay for necessities. At least I know that about my grooming partner. She runs a grooming business. Aside from the business she also pays by credit card for personal. She is financially responsible and pays her bills. For example: I'm feel embarrassed to tell my grooming partner that I cannot spend the money right now because I have big expenses that I'm trying to pay down. She invited me to a grooming seminar and I didn't respond with neither a yes or no just an acknowledgement of her invitation. She doesn't pressure me but I feel pressure from myself because it isn't the first time she has offered an invitation to a grooming seminar. I just feel anxious about money for some reason. Insecure, fear about my future I don't know what it is. I can't seem to relax about it. I feel like I'm cheap because of it. So what do you think my problem might be?