Are you in financial difficulty and can’t break the cycle? Here’s how.

Photo by Fabian Blank on Unsplash

I don’t know about you, but having an income coming in safely at the end of the month for most of my working life has left me totally unprepared for the tough times.

I always had some form of savings, until, that is, I came across the latest collection at my favourite clothes boutiques, or discovered a sale at a beautiful interiors shop… so…