I have seen finance websites that tell you to give up your daily coffee, because you will save you over $1,000 per year, without acknowledging that for some people, coffee is an essential part of their day.
I have seen advice that tells you how to scrimp and save every last dollar, but doesn’t tell you what is worth spending your money on.
I have seen advice on how to get out of debt, but not how to spend responsibly once you are debt-free.
The way you spend your money is just as important as earning, saving or investing your money.
Key concepts like minimalism, quality over quantity and sorting out your Essential Spend (ie. making sure you are getting the best deals on utilities, transport, food, shelter and other essentials) are as important to making your money work for you as saving or investing.
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