I have been the same,
Tight bastard for years now, I used to lift drink on me mates in the pub. I know-I know thats low but between limiting my socialising to practically nothing and saving very hard, I have amounted close to 80000euro and it feels good.
Not in the red and hopefully wont be, I will not owe anyone anything after training, my mates, family, or bank have been avoided and I am now assured I chose right to.