Get Financially Fit

look at your money If you don’t know what you have, how do you know what you can spend? New banks like Monzo and Starling have apps that show exactly where your money is going. Switching is easy.

Be proud of what you earn It might be loads, or less. There is no shame in not being motivated by money, and also zero shame in so-called ‘selling out’.

consider investments Women don’t invest as much or as early as men. Yet money kept as cash has zero potential to grow.

Spend thoughtfully Notice how you spend money in the shops you pass every day? Instead of impulse buying, consider what would make a difference to your life. Mindful spending feels good.

Know that you deserve money We tend to be scathing about the rich, but everyone deserves money and to close the pay gap women need to feel deserving. So be confident in asking for more.

Get rid of one- click buy options With contactless payments and tech innovations like Alexa, it’s too easy to buy things we don’t need. Disable one-click buying.

Save Call it a fuck-off fund or a buffer, but savings represent financial freedom. The peace of mind that comes from having savings beats the high from any impulse buy.

Have a budget Work out how much money you have left each month after bills (and savings!) and divide by the days in the month. Then use an app like Yolt to help you track your spending.

talk about it The most empowering thing you can do for your bank balance is talk about money so you feel comfortable plotting out a business plan or asking for a pay rise.

‘The Money Book’ by Alex Holder will be published by Serpent’s Tail in spring