Thank you, Faith! Yes, it’s always good to stop and check in with what we’ve been doing. Cous cous is one of my fave packed lunch standbys – it’s so quick! If I don’t have time to roast veggies, I just have it with salad or whatever bits and pieces we’ve got in the fridge.

Thanks for the comment, Derek! Yes! That’s the revelation I had this week. I thought I would increase my savings rate when I got a pay rise, or when my side hustles started paying out, but then I realised I had to start NOW. I won’t miss £10 a month, or another £10 after that, so I’m planning to just keep increasing until it feels unsustainable. It’s also a good way to stop lifestyle creep!

You talk about savings there, but I’ve heard the same idea applied to paying off debt.

Some people pay the minimum on their debt and wait for the day they will get a large sum of money so they can pay it off all at once. Then, 8 years later the large sum of money never came and they are still paying the minimum. If they had only increased their monthly payment by even a small amount it would have been paid off much faster.

Waiting around for your income to increase or for a large sum of money to appear isn’t a good plan.

I like your plan much better. Do it now. Work with what you have!