20/08/2026
I talk about money, family costs, budgeting, what things actually cost us.
But I’ve always been a spender.
In my 20s, my 30s and even into my 40s, I made a lot of bad money choices. I accumulated debt. Bought things I absolutely did not need. Had phases where I was brilliant with money and phases where I clearly was not
When I was paying off debt, I became incredibly disciplined. I tracked everything. Hardly spent. Stayed focused.
Then as I got close to the end, the spendy version of me started creeping back in.
Amazon was probably the most obvious sign.
Parcels every day. Sometimes twice. Hair stuff, beauty stuff, kids stuff, random things I’d convinced myself I needed. And the ridiculous part is I don’t even remember what most of it was now.
That’s what I’ve had to understand about myself: I can be incredibly disciplined, but that doesn’t mean the habit disappears.
So now I try to build friction into my money instead of relying on being “good”.
Separate accounts. Bills away from spending money. Less easy access. Fewer opportunities for me to casually convince myself that £18 here and £27 there doesn’t count.
Because the spender didn’t leave.
She’s just quieter when I’m paying attention 😂
I am the leak — Episode 1.
Episode 2: the drawer I’m scared to open.