Financial literacy—it’s not a skill many are taught in life, is it? Not exactly on the school curriculum. And yet, we all have to come to terms with it eventually, usually after our first big financial blunder or that moment staring at a bank statement wondering where it all went wrong. But the reality is, it starts earlier than that. There was always that little voice nipping away at you—when you bought your third kebab in a week, kept splashing out on taxis because you were late for work, or treated yourself to ‘just one more’ online purchase. It’s those small, seemingly harmless choices that add up, and before you know it, you’re playing catch-up with your finances. The good news? It’s never too late to start turning things around.