How to Save for Christmas and Birthdays

Many people have never seen their total costs written down. When you actually see it written down, it can be a bit scary. I had a client when I was a manager of Barclays at the line of the bit. He earned so well, he never kept an eye on things. The problem is when he got to retirement, and he went, what do you spend your money on? Well, I don't know really. He just spend it. And if you want to buy coffee, buy coffee, but be intentional about it,. If you want to do so, then you're going to need to put it in the budget. Whereas you may find something that actually I'm spending that