Until recently, I’ve never been a saver. Living day to day was the priority, and if I wanted to travel then that’s what credit cards were for. Unfortunately, my inability to say no when it came to travel did land me in some debt. Managing without getting into more debt became increasingly difficult. Now though, we’re in the fortunate position that our only debt is the mortgage. So, it’s time to be sensible about saving. Over the past few years, various bank accounts and apps have been developed to make saving easier. I’m taking advantage of those and putting some…