FIVE TIPS FOR FINANCIAL HEALTH
The spreadsheet is full of things you'd never consider yourself when budgeting (the cost of contact lenses, school trips, lunchtime sandwiches) and a calculator at the end that gives you a final sum of incoming and outgoing. It tells me I've got a surplus of about $1,000 a year. Not great, but not desperate. When I meet McQueen, she adds in everything I've forgotten, and comes up with a deficit of $5,000. Then comes a pie chart which rather re-affirms what I felt: I'm not particularly profligate (a product of my Yorkshire birthright) but I'm spending 59 per cent of my income on my home. All this can be fixed, she says....