“Your eyes are over every cent.”  Before we switched on the microphones, TPC listener Keren White wasn’t sure if she’d have anything ‘worthwhile’ to share. But just like every other guest in our Summer Series, her real-life experience with the fundamentals we’ve been teaching is nothing short of extraordinary! So when we hit go on record, she absolutely kicked into second gear and held nothing back… which means you’re about to be in for a ‘Wow, really?!’ ride… Here’s her story in nutshell…  Keren is at the coal face of someone who has adopted our Money SMARTS system… but unlike most folk, what instigated the need to switch from a typical budget to our rules-based system was a bit different. You see, prior to the change, Keren and her husband Terence’s life — and indeed their money habits — took a more of a ‘go with the flow’ approach. So, while they were able to get some savings together when they wanted to and never ventured into credit card debt territory, they almost always struggled to stick to their budget. Lifestyle and perhaps ‘living just for now’’ took precedence. For example, if they wanted a holiday… they took a holiday. If there was emergency cash sitting in their ‘car’ account — just one of the many open (FYI. you only need these accounts set up) — but say the car was running fine… well, then that was extra play money for the holiday, right?! They weren’t stretched. They were doing kinda fine, really. Sure, there wasn’t much put aside for tomorrow, but their money situation wasn’t too bad in the scheme of things… But then something happened. The Wake-Up Call. It was a hard blow that finally demanded Keren and Terence start prioritising their future….   Free Resources Mentioned * Your FREE Book (free for a limited-time): http://makemoneysimpleagain.com.au * Bonusisode – Are You Money Fit? * Episode 191 | Seven Steps to Make Money Simple Again * Facebook Group for Money SMARTS User     Episode Breakdown 02:40 – Keren’s backstory 04:04 – How was money spoken about at home? 05:00 – What was it like to be a child with parents who liked flipping houses? 5:50 – Trapping surplus cash when you first leave home… 7:00 – Why didn’t Keren want to invest in property? (here are the reasons why you shouldn’t) 7:56 – THE WAKE-UP CALL. 10:52 –  Why the budget FAILED! 11:12 – What is the pitfall of having a Savings Account that earns “bonus interest” when you don’t withdraw any money? 12:50 – How many accounts did Keren and Terence have? (shocking,