I entered my 30s with the same bad money habits I’d had in my 20s. Overspending, impulse spending, using credit cards to live, shopping to make me feel better and zero savings behind me.

Now, 5 years later, here’s what I’ve been doing to help me transform my relationship with money, improve my money mindset, pay off my debts and have savings in my bank account for the first time since my early twenties (when I used my savings to travel the world).