haircut time?

My hair dresser is amazing.  And amazingly expensive.  When I ask her when I should come back she says "when your hair starts looking bad" which is great for my wallet (and debt diet) since I only go once or twice a year.  I saw my lovely sister the other day and she told me that I desperately need a haircut.  I'm trying to decide how much longer I can put it off since I'm not supposed to be spending right now.  I've also thought about the possibility of going to a different stylist, but I have trust issues so the likelihood of that happening is very low.

Thoughts?