When it comes to improving the health of your finances right now, everything else has to take a back seat. If you’re afraid that you’ll be called a cheapskate by your friends, you need to get over it fast. But chances are they won’t. After all, they care about you and want you to meet your goals. When you chose your friends, you were smart enough to put their ability to support you high up on your list. If they only like you when your wallet is open, they’re not your friends.