Good advice, Rebecca. I used to have a well-paying job and my wife worked too, but we always seemed to be struggling. Some bills were always behind. I realise now, that we spent too much of our income on luxuries and non essentials, and didn’t save anything.

Granted, we had four children at school and that took a good deal of the money.
Now we live a much more basic lifestyle, make a lot less money, but life is less of a struggle. We are always shopping for bargains though, and Medium and freelancing income helps.