Are you a spender or a saver? I try to have something to save, but I also love having all of my available money put to use. My mum showed me some ways I could maximise my money, saving on my bills by being organised and choosing how much to keep as a buffer, and how much could be employed elsewhere.

I work full time and have done for most of the last 9 years give or take a few seasons of sparsity.

I don’t envy folks on Universal Credit. They have no way to increase their income, it stays the same. As a worker you are able to do as much overtime as you can cope with. So often if you see the weekly outgoings exceeding income, well, then you do another short or long shift to top up.

I went to a few property and investing type seminars, even some business workshops. They told us not to think of money as a dirty word, and that you need to work with it, to get results.

One of my friends is more ‘live for today’, as she doesn’t think she’ll be here for ages, but she’s very strong minded too, so who knows, she may have more time to save for than she imagines. I like to prepare for tomorrow and do the best with today’s opportunities.

How about you?