I care a lot about my finances, and I put a lot of effort into tracking things, making goals, and improving my financial health. Once upon a time, I didn’t: within a few years of university, I managed to blow through all my savings, loans, grants, parental support, and overdraft. There were times where I couldn’t withdraw money from a cash machine because I had less than £5 to my name (well, less than -£1995 to my name, if you exclude the overdraft). I had to carefully plan around the m...
