In 2019, Caz Mooney and her family embarked on a Low-Spend Year - a year without spending unnecessarily on takeaways, nights out, new clothes, holidays or extracurricular activities. By the end of the year, the family had cleared a credit card debt that had begun to spiral and saved a deposit for their first home. It proved a point to Caz: that she could gain peace of mind by giving every cent a job.

With practical and helpful advice, Caz shows you how to understand every aspect of household expenditure - including emergency funds, sinking funds, cash budgeting, saving and tackling debt - and provides userfriendly charts, trackers and prompts to help you become more mindful of your spending, change the way you look at money and help you to reach your financial goals.