"The easiest money you'll ever come by is the money you never spend in the first place."

+ overdrafts, balance, and the dubious freedoms of freelancing.

Hi and welcome to The Ladybird Purse, my weekly newsletter about women and money. I’m not a financial advisor and am in no way qualified to give financial advice. Which you’ll know if you read on…

My 19yo texted to ask me for 10p last week and followed it up with “Unless you don’t have 10p?” I had 10p. But actually not really. Because it was from my over…