That wheel spinner has a great job - with every spin someone is happy 😁.
I agree about a balanced approach, if it is possible to get to that position. Debt has its uses and there are some great deals around - 0% interest on a new kitchen, with payments over three years, is a helpful option with a big expense. As you say, knowing your limits helps.
A staggering amount of people in the UK have no savings at all, or less than £100. Financial management, budgetting, saving and planning expenditure are all skills that are not taught in school - I was interested that the scouting movement have introduced a badge for it.
Some good goals there - goal setting is another important skill that people sometimes struggle with.
Thanks for participating - are you going to take part in the half-year challenge?