Kel Galavan

And that's where I learned so much in the no spend year, like that relationship with money, looking at, well, look, have we renewed everything we can renew?

And there's plenty of people, I know you've done this, but there'll be some here listening that might go, actually, do you know what?

I could sit down and look through some of this.

I'm a massive fan of a no spend day.

This is bringing things back to absolute basics here.

But a no spend day is any day where you do not spend money except you are allowed to spend money on groceries because you need to nourish your body.

You need to eat well and you are allowed to spend money on essential bills.

So direct debits going out, that kind of thing.

Other than that, if you can try and have two or three no spend days a week, the difference that can make to your bottom line is huge.

Like thousands in a year.

Those thousands can be taken and put into the best savings account you can find.

It can maybe in time be put into the state savings schemes when that comes along.

And it can be put into investings when the time is right as well.

So that's how you start.

So I know people are kind of going, oh, look, Kel, but there is so much power in the small things done well.

And when you start putting money into an investment, leave it alone, even if it's only a small amount of money, that counts too.

I started with minus six figures of debt and my story is quite different now.

And it wasn't from grand gestures.

It wasn't from optimizing everything because I made loads of mistakes.

It was about consistently doing those small things well.