Underspent

Do you want to be underspent, not overspent? Do you want to be debt-free? Do you want to transform your savings? Sixty percent of us can’t afford to pay our credit card debts and 41% of us borrow from friends, family and loans each and every month to survive until pay-day. For most of us, shopping and buying are triggered by boredom, depression, loneliness, low self-esteem, insecurity, peer pressure, past poverty and passive aggression. Rachel Smith didn’t buy anything new or second-hand du…