Have you ever noticed that we do not fully understand or appreciate what our parents were trying to tell us.............until we get to be their age? My goodness, the lessons we have to learn in this life would be so much simpler if we would take our elder's advice. They knew that what methods they used really did work, but being young, and sometimes beligerant (is there another nice word for this?) we want to do things our own way.
Well, it is only part of the growing, maturing process and we each learn at our own pace. Thank heaven we do figure it out in time and can see that paying charge card bills is not the way to go.
Peace to you sister, and enjoy everything you work for.
Oh yes, make some wonderful quilts that will take the market by storm. WE will all be there encouraging you.