'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.'

'It took me years to work out how to claw my way out of credit card debt, but once I did I refused to ever go back there. Now I don’t borrow from my future self.'

'I earn a great income and on paper I'm in a great position. But with mortgage rates and the cost of living, what I actually have in my pocket isn't much.'

'I have OK savings, but unless my position changes or I get a raise, I don't see myself very far ahead from where I am now in five years.'

'In five years, I see myself: Owning a house, making a lot of money... or retired because I won Lotto.'

'I try to stay positive about my financial situation, otherwise it’s just another thing wearing me down.'

'I turn all appliances off at the wall and try to run them during off-peak times. My partner would tell you I'm crazy – but now he does the same!'

'My most expensive clothing in the past year was my wedding dress ... it felt and still feels like an outrageous amount to spend on a dress.'

'We get free instant coffee at work, and I’m enough of a philistine that that does me just fine.'

'Grocery costs: This section is going to be boring, but zero dollars across the board.'

I give money away to: 'No one. When I'm asked to donate I share some of my story and they back away.'