I have a confession to make. 

For the last few years, I've been very interested in the topic of personal finances. 

My husband and I have dug so deep into it - reading books and blogs, listening to podcasts, webinars and YouTube videos, and speaking to friends and family. We've done this because we wanted to get better at managing our money and making sound financial decisions for the future to be able to enjoy life even more. 

We've both had rough years when starting adulthood and it's taken a lot of hard work to now live comfortably. We've also had struggles with debt (as anyone really) or haven't managed our money well spending unnecessarily or not thinking through the details until we realised some key mistakes.

Everyone falls into the trap of money. It's such a vicious circle that some can't get out of it. And what's worse is that nobody is teaching you basic financial literacy at school (unless your parents go deep on the topic with you).