Hello! I am Emily Melton — the woman who writes the posts here.

I am a conscious and responsible spender who finds myself repulsed by the idea of impulsive buying. “High-roller” is definitely not my middle name. I would rather go for a fixed deposit or stocks to invest my money than spend it on extravagances with no returns.

But reaching that state of mind took me a whooping ten years. I know it is difficult to give on your spendthrift nature instantaneously. But if you are determined to change – for the good – it will not be as much of a hassle as you probably consider it now.