Hi!  I am Karyn De Mol, a Qualified CPA Accountants with an extensive career in business and also have many therapeutic qualifications.

I know those two qualifications seem worlds apart, but the combination is why you are now reading this and will find this the most refreshing money handbook you will read.

I was left to my own devices as a teenager and had to work and look after my own finances much earlier than my family and friends.

Freedom and having fun were something I had access to at an early age and were the envy of my friends although I had to learn how to use the money to achieve as I did not have the privilege of running back home.

I remember learning how to get around credit card limits by knowing when a shop would check the credit limit and so would spend under that amount allowing me to buy over my credit card limit.

I can relate to doing the grocery shopping and not having enough funds to pay for all the items on the carrier belt and having to decide which items they could remove or even being compelled to “borrow” the odd roll of toilet paper from work.