Nicole Haddow

So anyway, the result was me crying in the middle of a restaurant on my 30th birthday.

It wasn't ideal.

I had just moved home with my mum and dad because I'd spent a decade travelling, living, doing this job.

Realising that I had $11,000 of credit card debt and nothing behind me.

So I decided to set some goals.

And the first goal was to do a power save.

Now, this kind of goes against a lot of what Kate's just told you.

But when you turn 30, you really feel like you're running out of time.

Also, I was living with my mum and dad, so there was a finite deadline.

This could not go on forever for the sake of our relationships.

I set myself a target of saving between $25,000 and $30,000 in one year which was a massive thing to do.

I gave up pretty much everything.

First questions I asked around that time when I moved home, or just after, because that was around the time that Bernard Salt wrote that really fun column saying that millennials should just give up smashed avocado if they wanted to buy houses, was that smashed avocado was not the problem.

It was everything else that I was doing.

It was going out for drinks.

It was taxis.

It was clothes.

It was hair.

It was makeup.

It was travel.