The Fierce Girl's Guide to Finance

Get your shit together with money



How your girlsquad can support your money goals

There’s nothing more powerful than a girlsquad in full force. They’re your wingwomen when you need to meet that guy. They bring you wine and chocolate when he breaks your heart. They’re there when your kids are sick, when your husband’s an idiot, when your boss is an arsehole.

Unleashing the squad is a powerful force, so we need to use that power for good.

But in reality, we sometimes do each other a disservice. Not just convincing ourselves that shots at midnight are a really good idea. I mean with our money.

The fitting-room frenzy

I still remember a certain bestie of mine convincing me, circa 2001, to buy a red velour suit from Seduce. It was some ridiculous price for a girl earning $30K a year. I lay-byed it for a week before seeing the error of my ways. Lost the deposit though.

We all have a habit of giving each other permission – nay, encouragement – to buy things we don’t need, can’t afford, but look great in.

What if, instead, we asked our bestie whether she really needed it? Is she saving for something else? Is she in credit card debt? What else will it go with in her wardrobe?

It’s not like you have to be a total killjoy-negative-nancy. But asking a few questions or having a rational conversation could be all she needs to get past that temptation in the heat of the moment.

F*ck it, let’s buy the French!

We’re looking a bar menu, and perhaps we have already imbibed some alcoholic beverages, and our decision-making is a little impaired. There is a cheapish bottle of bubbles; a mid-price Aussie drop; and a really effing expensive bottle of French champagne. A Fierce Girl will go with the first – unless she knows it’s going to be some horrible house rubbish, so then she might go with the second.

But a not-so-fierce girl friend will think up some reason  – ‘it’s the first month of an awesome year!’ – and buy the third one. Now you’ll either have to go halves or feel obligated to buy something equally exy in the next round. Credit card chaos ensues.

This is one of those situations where we are shamed or guilted or tempted into spending more than we can afford. Nobody means for it to happen, but sometimes – at restaurants, bars and on holidays – we get caught up in somebody else’s spending cycle.

Sure, treat yourself sometimes, but be aware that not everyone has the same financial resources as you. Not everyone will tell you they can’t afford it.

There is a huge social pressure, in our flashy consumer culture, to keep up with our friends. So, try not to be the friend who starts that cycle.

How can your girlsquad support your money goals?

First of all, talk about money! Not in a whingey, ‘I wish I had more’ way. Not in a ‘hehe I am so bad with money but adorable otherwise’ way.

Talk about it in a positive, adult way, that helps clarify our goals and the ways we will reach them.

We talk about our relationship goals. Our career goals. Geez, we share intimate details of sex, birth and bodily functions.

So why not talk about what we are doing with our money? Where we are having problems, where we have found ways to get our shit together, and where we have found good advice (oh hey, Fierce Girl’s Guide to Finance!).

Women aren’t socialised to be interested in this sort of stuff the way men are. How often do you swap stock tips with your mates? The conspiracy theorist in me thinks that men (at a patriarchal level, not individual men) like it this way. Because if women are not very good at money, men can be. And then they can have money and power and control. And we have to stay home and raise their kids and clean their houses and stuff.

So don’t let the patriarchy win. I’ve said before that finance is a feminist issue, and I say it again here.

Another positive thing we can do is have fun, tight-arse activities. When Mindy was saving to go overseas and Alexis was smashing her credit card debt and I was on a strict pre-comp diet, we invented the Supper Club. It was a rotating dinner at each other’s place once every couple of weeks that kept us out of harm’s way. It was great (until Mindy selfishly moved overseas).

Sometimes my friends and I have picnics or walks. Sometimes we go to the beach. Think about ways you can enjoy your friendships that isn’t based on spending.  Old school, yo.

We all have a choice about how we influence each other. Be the friend who advocates for positive decisions that improve our lives.

Except at midnight, when it’s time for shots.

If you like this post and want more finance goodness straight to your inbox, subscribe to the blog! Just head to that little box on the top right. And you should probably share this post with your friends, to warn them about your next shopping trip behaviour. 

Photo credit: Hubs

3 ways the world is trying to make you poor

A lady called Jackie used to enjoy making me poor. Sure, she was one of the nicest women you could meet – a sweet, friendly mother of a young son. But she fed my addiction.

Every three weeks, I gave her an hour of my life and $35 of my hard-earned money.

You see, Jackie was one of the best acrylic nail technicians in the city. And for a couple of years, I was addicted to the long, colourful nails she gave me. I reckon I spent around $1200 before I wised up and ditched them.

My nails were really fun. Did they improve my life in any meaningful way? No. Did they attach me to an ongoing cost? Yes.

And this is one of the many ways we piss our money away. Locking yourself into recurring costs is a dangerous, because what becomes regular becomes normalised.

You forget to question it. You assume that you need it. You shape your life around those costs.

And this is one of the ways the world conspires to make us poor. Here are some more.

Micropayments and subscriptions – A useful exercise is to go through your bank statements and review all the monthly deductions. It’s amazing how it adds up.

I have Netflix and Stan (I know, excessive, but I am obsessed with The West Wing and it’s only on Stan). So there’s $264 a year. Then Spotify – $144. Dropbox comes to $156.

What seem like little amounts add to more than 500 bucks a year.

This isn’t breaking the bank – but is it necessary? I reviewed the first three and decided they are all integral to my life (West Wing is life). But Dropbox has barely anything stored in there, so why am I paying?

This is the kind of review it’s useful to do every 3-6 months. Where can you cancel and trim?

And if anyone is subscribed to those awful ‘Bella Box’ kind of services – sorry, but you are being ripped off. Signing up to pay for shit you don’t need and didn’t pick – every month – is like standing under the shower cutting up ten-dollar notes. Please, cancel that shit now.

The loyalty tax – We often pay more to stay loyal to insurance, phone and energy companies. They assume once you’re in, you’ll be too lazy to switch. They’re often correct.

But not the Fierce Girls! When they send you a renewal notice for insurance, get a couple of quotes elsewhere. You can use comparison websites like or (not an endorsement, just telling you they exist).  Although speaking to individual companies can sometimes get you a better deal, in my experience.

Energy companies are generally awful so I recently signed up to Power Shop, which is kind of the Uber of the energy retailing sector. And it has green energy options, if you care about that. Check it out here and if you want to switch, you could always use this link and I’ll get a discount. (Like, only if you want to. No pressure.)

When my phone comes off plan in March, I will drop to a cheaper ‘BYO’ rate, because I can. Even if it means having an old phone for a while.

I recently changed health funds, because for around the same price I can get full gap-free dental instead of some half-arsed rebate. That will save me a few hundred dollars a year.

Seriously, spend a bit of time doing this type of hunting, and you will save a lot over time. My home-girl Nicole Pedersen-McKinnon has a great article about this.

Credit card minimum repayments and balance transfers – A piece in the SMH last week said that “[e]conomists have found the minimum payments that appear on monthly credit card statements act as an “anchor”, causing many consumers to pay off less debt than they otherwise would – and should.”

If you are paying the minimum, or close to it, reconsider. Where can you cut and trim costs (see above) to increase the repayments?

In an earlier post about good and bad debt, we all agreed that credit card debt is top of the ‘bad’ list (ok, maybe loan sharks are worse, so stay away from men with bad hair and bodyguards).

Is it a viable solution to get a new card with a no-interest balance transfer? Yes and no.

Yes if you have worked out a detailed plan to pay off that amount within the interest-free period.

No if you have just transferred and hoped for the best. Good intentions are not an actual plan.

And don’t even think about spending any more on that card, because that stuff will NOT be interest-free. Choice has a good article about these products here.

But really, if you can’t afford it, don’t buy it. Credit cards can be good for short-term cashflow issues but they are not your friend long-term. I know you know that, but just thought I’d say it again.

And what about Afterpay? I’ve seen this available with online retailers lately. It’s like a lay-by, but you get the item immediately. Then you have a payment plan: for example, pay off a $200 dress in four separate payments over a couple of months.

Because I love you, and because it’s growing really fast, I’ve looked into this service (I even read their prospectus, since they are listing on the stock exchange soon). Here are my thoughts.

Pros – they don’t charge interest – in fact they can’t, because they don’t have the right license from the government (yet). So it’s much better than using a credit card. The company makes money by charging retailers, who are happy to pay because it makes you more likely to buy their stuff.

Cons – it makes you more likely to buy stuff. It’s behavioural economics: we are more likely to spend money when it’s less painful, so four $50 payments feels so much better than dropping $200. Hello, shopping cart!

So, if using Afterpay makes you spend more, stay away from it. If you’re disciplined and it doesn’t change your buying decisions, it’s not a bad idea. (Let’s be honest, though, who is that disciplined?)

There you go Fierce Girls, go forth and save. Or don’t. Just stay Fierce.

Photo credit: Zhao

7 money resolutions you can keep in 2017

Let’s all enter the secret circle of realtalk. New year’s resolutions are BS. We are hungover from eating, drinking and spending too much; resolutions are a handy way to purge our guilt. I get that.  

So that title is misleading. It should be: Some vague intentions and principles you might consider adopting to improve your finances this year, which aren’t really very hard or onerous.

1. Write your mindful spending manifesto. This isn’t hard. You can do it with a glass of (moderately priced) wine in hand one quiet night. (Read more about mindful spending here)

Take a moment to consider what you want to spend your hard-earned cash on in 2017. It can be a list or a mission statement. Write it on a note on the fridge or put it in your phone.

Here, I’ll start. I want to allocate money to travel, delicious breakfasts, quality fresh food and ethical protein sources, investing for my future, charities, powerlifting and fitness.

I want to avoid spending money on: coffee I can make myself; fancy wine; overpriced drinks in bars; clothes I don’t need; nail salons that may or may not be supporting human trafficking; things I need to find storage for; any more bloody shoes.

This will be a balancing act. I cannot guarantee to avoid Wittner for an entire calendar year. However, I will try my best. And I will NEVER pay full price there. Speaking of…

2. Stop paying full price for things. You only need to walk around the sales right now to know that Aussie retailers are addicted to discounting. Consumers want to spend less (because wage growth has stalled and we are highly indebted). But shops want us to spend more, so they keep making it more enticing.

You can take advantage of this by being organised. Not like spreadsheet organised – just using a bit of forethought. Think about what you know you need to buy, in advance, and then wait til it’s cheaper.

For instance, you already know how many weddings you’ll attend this year – if you want a new dress for each one, start looking now and buy on sale. (Alternatively, don’t be such a princess and wear an old one).

If you get to the beginning of a new season and feel a deep need to update your wardrobe, do it now – at the end of summer – and save it for next summer. This week I pulled out a fresh new Victoria’s Secret bikini I bought in the US, in June. It cost me thirty bucks then, and I feel like a million dollars now.

In the supermarket, my step-mum says to buy things you need when they are on spesh, not when they run out. This is good advice, and it’s why she always has two of every expensive cleaning product (whereas I just shop at Aldi and buy the cheap stuff).

3. Learn something about money and investing. Obviously you’re already reading Fierce Girl. Go you!!! But you can do more. Read the Money section of the newspaper. Buy a book about investing. Read some blogs or websites (check out my Resources page).

Basically, put your big girl boots on and take and interest, so that you can control your financial future. Don’t tell me it’s boring or hard or not your thing. We all have to do hard and boring things – but not all of them give you the chance to do something cool at the end, like go on holiday in Paris – AMIRIGHT?

4. Sort our your super. It’s easy and fast and will make a big difference to your future. Start with these:

  1. Roll multiple accounts into one.
  2. Pick the right investment option for your age (it may not be the default one).
  3. Set up salary sacrifices to make extra payments.

All of those things will make a decent difference to your retirement 30-40 years from now.

Super compounds and grows over a loooong time, so the things you do early on make a difference later. Small pain now, big gain later. There is a whole post I wrote on this, but if that’s too hard to read you could just call your super fund and get things moving.

5. Break a bad money habit. Go on, pick one. The one I finally nailed in 2016 was to stop buying coffee every day. I literally spent years battling the siren song of frothy, milky, delicious flat whites. But for my health, wallet and size of my arse, I replaced it with black coffee in a plunger. And here’s what I can tell you: you get used to anything, and then, in the end, quite like it.

I know you have a bad habit. Maybe it’s online shopping in front of the TV. Maybe it’s buying clothes when you’re upset and stressed. Maybe it’s just buying far too much takeaway. Pick one thing, work out what the underlying driver is behind it, and devise a strategy to short-circuit it. I’m not a guru on behavioural change, but here’s a guy who is, and whom I love: James Clear – check him out and read his e-book.

6. Make friends with your bank. I just opened a new account with St George. I already have three, but this was a new one called ‘Spending’ (you can name them). It’s where I allocate day-to-day, guilt-free spending money to. It’s great! It just helps me to mentally compartmentalise money. And nothing goes in there till the boring stuff has been done (bills, rent, savings – ugh).

St George has also upgraded the mobile app so it does a whole bunch of new stuff that makes life easier, like splitting bills. You should look at your own bank and what it offers to help you track and manage spending – and save more. Remember, it’s in your bank’s interest that you save money with them (so they can lend it to others). Make the the most of it and play around with the mobile app.

7. Sort out your head. Ok, I just snuck this one in as a bonus. What I mean is that lots of negative behaviours with money are related to our mental health and happiness. Some people buy expensive things to prop up their self-esteem. Others avoid taking control of their money because it makes them feel dumb. Other people are just distracting themselves from the tedium or terror of the human condition. 

You know what I mean. Think about what might be holding you back mentally or emotionally. I have been reading The Subtle Art of Not Giving a Fuck by Mark Manson. It’s gloriously full of expletives, but it’s also full of realtalk that makes you think hard about your life choices. I highly recommend it as a starting point.

Oh hey, before you go…

2017: Fiercer and more financey than ever

This year is going to be big for The Fierce Girl’s Guide to Finance. I’ll be making the site prettier and easier to navigate. I’ll be holding some in-person workshops. Maybe there will even be an e-book.

So can I ask you a favour? Please share the love. I’m trying to build a community – a movement even – of ladies who are getting their shit together with money. But it needs your support. Get your friends to subscribe and/or like the Facebook page. Share the posts you like on social media. Comment if you have questions or things to say or requests for topics. Feedback is good and it’s what builds a community.

So, let’s make this year fierce and fantastic and a little bit financey.

No go ahead and Slay Bitches!

8 easy ways to spend less, save more and be a total Fierce Girl

You know what makes me happy? Among my friends, being thrifty has become synonymous with being a ‘Fierce Girl’.

Bought that top half price? Fierce Girl.

Only bought drinks in happy hour? Fierce Girl.

Bought your Christmas earrings for $2 in the new year sales last year? Yep, me – being a Fierce Girl.

It’s fair to say I can be a massive tight-arse. I buy marked-down veggies that only have a few days left in them. I shop at Aldi and buy cleanskin wine from Dan Murphy. I buy my underwear from Best & Less – and only when the Bonds range is on sale.

(Although I am happy to spend on things that I believe are worthwhile  –  things I have considered, weighed up and decided I want to allocate my funds to).

This is all part of mindful spending (which you should totes check out here if you missed it). Because the fact is, every dollar you don’t spend, is a dollar you don’t have to earn.

Amazing right? That concept blew my mind when I heard it. Instead of busting your arse for a payrise, you could just stop donating hundreds of dollars to the baristas and bartenders of the city.

Anyway, it has become apparent to me that not everyone is good at being a tight-arse. So, with a little help from my friend Gigi (who is an accountant and tight-arse from way back), I give you a random selection of ways to be a Fierce Girl spender.

  1. Consider the total cost, not just the purchase price. Here’s an example: you see flights for a hundred bucks and decide it’s a bargain way to have a mini-break in another city. But have you added the cost of cabs to and from the airport? All the breakfasts and lunches and dinners? The accommodation? I’m not saying don’t go ahead, but don’t forget to factor in the whole cost when you make a plan.
  2. Make your sober self be frugal, so that drunk you can party. As Gigi says, ‘there is the primary cost of alcohol, and the secondary cost of all the shit you buy when you’re drunk’. So, start well. Catch public transport on the way to a night out, eat dinner at home, make yourself a starter cocktail at home (my fave is a martini because it only needs three ingredients, including the garnish!). My point is, you don’t need to have a total budget blow-out when you party – you can halve the damage with some planning.
  3. Plan your meals and only buy what you need. I know, this sounds dull and housewifey. But I promise, it will improve your life. You literally need half an hour to sit down and list your meals for the week, and the ingredients you need. Not only does this make you feel like a bad-arse grown-up in control of your life, it also means you try new things as you go through recipe booksfor ideas. Plus it makes you eat better, duh. Rich AND skinny, bitches!
  4. Go out for breakfast, not dinner. Dinners are a nice treat once in a while, but they charge you for wine, sides, breathing –  pretty much everything. Go out for brunch instead. Not only will you avoid $50 bottles of wine, you can get the most expensive thing on the menu and struggle to spend more than twenty bucks. If you really do love dinner out, create a mental list of BYO venues, because there is no shame in taking your own cleanskin!
  5. Think ahead with gifts. Buy stuff when you see it on sale and think ‘mum would like that’. Even if it’s months ahead – have a present box where you put things aside. Just don’t buy it and forget you bought it and then your niece grows out of it and you have to save it for her little sister. (Not that I have done that).
  6. Avoid boredom/emotion/reward shopping. I know, I might as well tell you to not eat carbs after midday. But you at least need to try this. Gigi and I were discussing this post on WhatsApp, and I just found a line from me: “boredom shopping is the last resort of the unhappily married”. I should know. But any emotional state can lead to buying shit you don’t need. And if you do buy it, keep the receipt and see if you still want it three days later. I guarantee you do not.
  7. It’s not a bargain if you don’t need it. God, I wish I could take back all the ridiculous coloured high-heels, all the crop tops for the nightclubbing I never do, all the homewares I have no room for… anyway, sales are a particular trap for the tight-arses among us. But time has taught me that if I didn’t already have it on a mental list, I don’t need it.
  8. Read catalogues. Seriously. Reated to the point above, if there is stuff you know you need, hunt around for it on sale. There are websites like Lasoo which have every sale catalogue online. And if you aren’t in a hurry for it, make a note of it and buy it when you come across it somewhere. And as with the example above, anyone who pays full price for Bonds is a sucker.

I could go on for a while but I feel like I have already come across like some weird spinster aunt who buys day-old bread (I had those aunts in real life. They died quite wealthy).

All I want to say here is you can do this. You can stop pissing money away and do better things with it. You can be a Fierce Girl.

Got any hot money-saving tips? Leave them in the comments.

The 4 best friends who will make you rich

A wise man once said “Get rich or die tryin’”. Ah yes, Fifty Cent. You fill us with ambition.

But how do you get rich? And what is ‘rich’ anyway?

I’m not talking about the richness of family, friends and emotional connections.

I’m talking cold, hard cash that makes you feel like you’re in a rap video wearing giant diamond necklaces*.  

However, most of us aren’t going to get rich by a) marrying a millionaire b) inheriting a fortune or c) inventing Post-it Notes**.

And so, I’m introducing your #squad. Actually, your #richsquad. Probably not as hot as Taytay’s girlsquad, because we don’t have Gigi Hadid.

But these girls will have your back – as long as you get to know them, respect the hell out of them and don’t sleep with their boyfriends.

Introducing: Earning, Spending, Saving & Investing

Earning is pretty hot but doesn’t always get noticed. Girls are socialised not to pay attention to her. We take lower-paid jobs in lower-paid sectors. We take time out to raise families. We ‘follow our passions’ and other bullshit.

We are told that Earning is more of a guy’s kind of girl.

But you need to take this chick seriously.

Always be maximising your earnings, and don’t apologise for it.  Don’t ignore the power of boosting your paypacket – whether by making the right career moves, asking for payrises or having a side hustle.

And pay attention to Earning when you have to make life decisions. Firstly, she’s hard to win back if you leave her alone too long – if you step down, cut your income or take time out of the workforce, it can be really hard to catch up.

I’m not saying you should let her control your whole life. I made a decision to work a 9-day fortnight, which cuts my income by 10%. Is it worth it? While I’m studying, yes. Am I conscious of the hit I’m taking? Yes, and I review it often.  

Spending is everyone’s favourite fun friend. She loves ordering shots and telling you to live a little.

But this friend is a little cray-cray; she needs to be handled with care. DO NOT let Spending take over your life or your credit card. She makes you feel good when you are out partying, but she leaves you with a hangover.

The key to a healthy relationship with Spending is to give her respect and pay attention to her. Define the boundaries of your relationship. Embrace mindful spending (read more here). Be clear on what you will and won’t do with this friend.

Because if you let Spending take over your life, you will never be rich. You will feel rich at the time you’re hanging out together. But over time, she can be a bad influence who holds you back from achieving your goals.

So if that bitch tells you that you need to drop hundreds of dollars eyelash extensions, shut her down and go hang out with your other, more sensible friend…

Saving. Your quiet but powerful friend. She isn’t as glamorous or as fun as Spending, but she really does have your back. She will help you reach your goals, be there for life’s unexpected dramas and generally be an awesome wingman.

She loves inviting your over to drink reasonably-priced wine, rather than go out to fancy bars. She makes you bring your own lunch to work, only ever buys stuff on sale and tells you to follow a budget.

But Saving is a true friend, and the more you get to know her, the more you’ll see her value. You see, she gives you choices and opportunities, and makes you feel far more in control of your life. Aaaand, she will introduce you to her smart and sassy friend…

Investing. This chick seems scary at first, because she’s so clever and uses a lot of big words. But don’t be put off – if you listen for a while, she makes sense.

And Investing is actually the one who makes you rich – or richer. She gives you money all the time. Like, for free! Just to say thanks for being friends.

Investing takes your money, multiplies it, and gives it back to you. That’s not something Spending can do. And while Saving does it a bit, she’s pretty tight – she buys you a coffee, whereas your glamorous friend Investing buys you an espresso martini.

So please don’t turn your back on this lady when she tries to befriend you. She can be hard to get to know. Ok, so she seems like a total know-it-all bitch at first.

But once you get past all the bullshit jargon, Investing is your true friend, and she’ll help you become more than you ever could on your own.

So that’s it. Your #richsquad. And you know what your #squadgoals are, right? Independence, freedom and choices. (Not flashy clothes and fancy cars. Well, maybe a few).

The thing is though, just like the Sex and the City girls, or the girls from Girls, or the Gilmore Girls, or the Spice Girls, or any other famous girl group, they function at their best when they are all together.

Cut Investing out, and you will just chug along,never really getting ahead. Give Spending too much booze and she will wreak havoc. Ignore Earning for too long, and she’ll start drifting from you. Drop Saving, and you’ll feel out of control of your life.

So, make friends with ALL of these lovely ladies, and you’ll be a Fierce Girl for life.

*(I’m thinking of the line from Ludacris’ Stand Up, where he says “Watch out for the medallions/My diamonds are reckless/Feels like a midget is hanging from my necklace”)

** That’s a Romy & Michelle reference, duh.

The doctor is in: how to get better at (not) spending

ryangosling doctor

Don’t lie to me. I know you spend money on shit.

You had to get your nails done because you had a bad day, and why should your nails suffer too?

You needed a new white top, to go with that blue skirt, because otherwise the skirt wouldn’t get worn, and that would be more wasteful.

You buy a fancy $20 cocktail because, well, YOLO.

I know, because I do this too. We all do. We live in a consumer society, surrounded by things to buy and people convincing us to buy them. I don’t have any magic solution for that – except escaping to an ashram, and really, can you imagine the hair and wardrobe options in rural India? Exactly.

But we can all do a little better. We can all learn a little thrift. And why is this important? Because it takes a lot of damn effort to earn money. And there are things you really want to do with that money – things that give you joy, or meaning, or opportunity, or security.

Meaning every dollar you don’t waste on crap is something you can spend on the good things. I know, sounds obvious.

So we need to spend consciously. To consider if something is in line with our goals, priorities or even just our genuine pleasure.

Buying your friend a drink is a nice feeling and a great way to bond. Dropping a hundred bucks at the bar because you decided to do shots all night? No.

Buying a killer dress to wear to a friend’s wedding, because your ex will be there? A sensible choice IMO. Buying something from a cheapy Chinese shop in your lunch hour, because you’re PMSing like a bitch, and then realising it actually clings to your lovely lady lumps a bit too much? No.

Think about what matters to you. Goals are good: whether it’s a holiday or a good retirement, having a goal lets you do a calculation. “Would I rather drink wine in Rome or buy another pair of shoes that hurt my feet?”.

Think about what you love and allocate resources to that. I fucking LOVE eating breakfast out. I’d rather spend $25 on that, rather than a bottle of house wine on a Wednesday night (that will make me feel seedy as a tin of raspberry jam the next day). But maybe you really like wine Wednesday. That’s cool. Just make your own toast on a Sunday.

But girl, please, don’t do both, every time. A sense of entitlement to every indulgence that comes your way is a one-way ticket to poverty-ville.

Your spending manifesto

Now write some things down. Give yourself a manifesto. This not that. Poached eggs not prosecco.

Fact is, you can’t have everything you want. Soz!

So deal with that, and decide what you want the most. Be mindful. Be smart. And be a fucking tight-arse when it comes to allocating the money you bust your arse for at work.

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