When Rachel told me that she had very recently moved from a super consumer to thinking instead that saving was the new shopping, I knew the story of this single, city-dwelling, dependent-free, self-employed 54-year-old was one worth sharing. Covid was to be the tipping point for Rachel. Realising that when her income stream dried up, she was in trouble financially. Today I’m going to tell you how she managed to stop living pay cheque to pay cheque and managed to catch a break instead.