Kel Gallivan

Kel Gallivan, also known as Mrs Smart Money, is a personal finance commentator who shares practical advice on managing subscriptions. She reveals that many people pay for services they never use, urging listeners to audit their subscriptions. Kel highlights how free trials can trap users through psychological commitment and stresses the importance of identifying value in what you pay for. She offers tips for rotating services to save money and reassures that rejoining old subscriptions is often hassle-free.