HOW TO FIND YOUR VOICE AND TAKE BACK CONTROL OF CASH

“The first conversation is always the hardest, and it might be awkward, but once you've ripped the plaster off, you will realise that it's not actually as scary as it seemed,” said Zoe.

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“Its not like you have to divulge all of the intricacies of your financial health to your friends. You can literally just say, ‘I don't fancy spending the money on that this month’. It can just be a one-line sentence like that, because you don't owe anybody an explanation.”

Speak your goals into existence

Telling your friends about your goals can help to keep you accountable.

“When people try to stop smoking or go on a diet, they are much more inclined to stick to those goals if somebody else knows that they're doing it, because there's that fear of failure or fear of looking silly - that's just human nature,” said Zoe. “Also, if you've got the right people around you, then they should honour that and support you, and may suggest things that are cheaper.”

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