“If you go to the grocery store and only have £15 in the envelope, you cannot spend £19 or even £15.60. It’s too easy to overspend with plastic or air money (card/Apple Pay) — it’s way too easy to just approve the transaction on apple pay at £16.40 when you only budgeted £15. That little extra overspend adds up very quickly.

Because they taught me this, I’m very, very good with money. I don’t spend what I don’t have, I almost always have extra at the end of the month that goes into a savings account, and my money is always controlled.”

—matdyjames