As I go down this financial makeover I’ve come to terms with the fact that I am going to have to really pare down around here. I’ve spent the last month refraining from any unnecessary shopping and spending because I’ve been on maternity leave which has forced me to live on 60% of my income. Having done this I know it’s doable. I can continue to do this even though I am back to work now. Take a look around your home and ask yourself “Do I really need all this stuff? What does all this stuff mean to me? What does it do for me?”. The answers may surprise you.