'I’ve been in London for seven years ... generally all my savings have been spent on my rights to stay in the UK.'

'Finally paying off my student loan has freed up a chunk of cash each week – which instantly got absorbed into our living costs.'

'Three words to describe my financial situation: Secure for now. However, retirement could be another question.'

'Surgery is looking like it will be around $40,000, so that's where most of it is going for the next few years.'

'Work can be incredibly unstable so I make sure I'm always prepared in case I have to go weeks (or even months) without any income.'

'Sometimes you just have to set goals based on reality. Time is valuable too.'

'No point collecting endless dosh if you've destroyed your world doing it, is there?'

'I’ve been incredibly fortunate in the last decade but I’ll never lose the awareness of what not having money is like.'

'Beneficiary disabled life will never be easy, but at the moment there is a governmental attitude to deny everything, always, and see how hard you fight.'

'Five words to describe my financial personality: Frugal, saver… oooh sweet treat!'

'It's easy to get carried away wanting more, but I think I have the perfect amount of money.'

'I’ve hit that stage where retirement feels like it’s looming around the corner, and it’s made me super conscious about saving every dollar I can.'

'In my 20s I was constantly in around $2,000 of debt – I didn't really understand the consequences.'

'Retirement is like running a startup – you have to get the burn rate right.'

'My kids recently caught me topping up the milk bottle with water, horrified at what they were seeing. I told them I’ve been making 2L into 3L for years.'