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If you’re trying to get better with money, it’s worth remembering you gotta start somewhere, right? Just like if you start to learn a new instrument or (re)join the gym, it takes time, practice and hard work to get where you want to be.

Now don’t be letting the thought of hard work put you off! Whether you choose to do something about your finances, or not, the next few months will slip by.

You can find my money saving articles by selecting ‘money matters’ in the menu. Here are a few to get you started                                                                                                               Mortgage free

Lazy frugal tips     no spend weekend tips