“
Like most of the people I’ve ever worked with in my life, I’ve tended to live ever so slightly beyond my means. Any pay rise has always been quickly swallowed up by me choosing to buy a better car, or a better house, or take better holidays. I can afford it all as long as I have my job. But if I don’t then I’ll quickly be regretting not just keeping the old car and the old house and sticking to cheap package deals to Tenerife rather than the trip to Disneyland Florida we took Charlie on just before Amelia was born.
”
”