She's On The Money She Cried Over a Holiday She Couldn’t Afford… Now She’s on Track to Retire by 40
Nov 9, 2025
In this enlightening discussion, a money diarist and registered nurse shares her transformative journey from financial rock-bottom to thriving investor, targeting retirement by 40. She reveals the emotional moment that sparked her financial overhaul—a holiday she couldn't afford that led to tears and self-reflection. Discover how reading a female-focused finance book changed her approach to budgeting, automated investing, and aligning goals with her partner. Her insights on spending habits and financial discipline provide relatable and motivating guidance for anyone seeking to elevate their financial game.
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Turning-Point In A Car
- Money diarist cried in the car after saying yes to a holiday she couldn’t afford and realised she needed to change her finances.
- That moment triggered her to search for female-focused finance resources and start her budgeting journey.
Use A Step-By-Step Book & Audit
- Read a practical personal finance book and follow its step-by-step worksheets to build momentum.
- Do the bank statement audit and highlight every expense to confront where your money goes.
Confront Spending To Change Habits
- Seeing printed bank statements and highlighting spending was confronting but clarifying.
- Confrontation with reality sparked behavioural change rather than shame.
