ADULT BEGINNERS

I’VE ONLY EVER KNOWN two states of financial being: just paid and flat broke. I’ve long lived beyond my means – primarily because I’ve never been entirely sure what my means are. I  confess to acting like a drama-chasing teenager when it comes to money – the first flush of having it, anyway. I could do without the inevitable heartbreak of an overdraft. But as I’ve watched my friends make rite-of-passage purchases (homes, cars, Max Mara coats), at the age of 40 I’ve had to face the fact that my adolescent