Nicole Haddow

You know, I tried to make it as up-to-date as possible and the facts and figures, although some of them have changed slightly, you know, the nuts and bolts of it remain.

Yeah, look, we were making those changes as close to publication as possible.

Yes, I had to really reach rock bottom and realise that I was going to have to do something pretty drastic.

So the power save for me was how I turned it around and that meant being completely ruthless in terms of just getting rid of all of my frivolous spending, cutting back on the social life, really even just down to takeaway coffees.

It was what do I need and what don't I need and everything that I didn't need was off the list.

It was, but I felt that because I was already 30, I really needed to make up for lost time.

So this was when my parents had said to me, you can stay for a year.

So it wasn't this open-ended invitation.

So it was an opportunity to save as much as I could in that 12-month period.

And I really did everything I could.

I did cry in a restaurant.

I've talked about that so much lately.

Yeah, it was my 30th birthday.

So I spent the day drinking champagne with some friends.

We were posting pictures on Instagram of us, you know, living this lavish lifestyle.

But it was a lie.

Like I was not living the lifestyle that I had posted on social media.

And it was just sort of this compounding of all of the things in my life that A, had been amazing in my 20s, but B, I was now going to pay for in my 30s and working out that I really needed to do something drastic and being quite emotional about that realisation.

Yeah.

So I had two credit cards.