budgeting · debt

If you have but two pennies left, spend one on bread and the other on a flower…

My lightbulb moment came last year –  I have been in debt most of my adult life, but in 2016 it started spiralling out of control. It was clearly time to learn to manage my money. My debts are now history (more about that later I’m sure) but I still have spendaholic tendencies that need to… Continue reading If you have but two pennies left, spend one on bread and the other on a flower…