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You can watch this by clicking on the image below or by playing Step 02: Introduction on your DVD.

Let's catch up with Mark, John and Louise as they take their morning break.

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The transcript below is a repeat of what is said in the video.

John

So, Louise did you get another chance to look at the roadshow then?

Louise

Yeah, I thought I'd give their tools a try and see how much spare money I had. You did it as well, didn't you Mark?

Mark

Yeah I did. I'd never looked at all my money at once before. It was a bit of a surprise!

Louise

Yeah, I know what you mean. I mean, I thought I was pretty much on top of things, but it was still different from what I'd expected.

Mark

Tell me about it! I thought I'd have a bit of spare money at the end of each month by now. No such luck!

Louise

Well it's not that I'm overspending it's just I hadn't realised how much money goes out on stuff like take-away meals, you know, things that we don't even think about these days.

John

Hmm, I felt like that when I first did it. But it was still helpful to know where I was spending.

Louise

Yeah, I know what you mean.

Mark

Hmm. Maybe.

John

I mean, I’d never even really thought about it before but, once I knew where I was spending too much, I was able to sit down and think about where I could cut back – and once I'd started with the cutbacks, well, it wasn't too bad… In fact, if I'm to be honest, it was nowhere near as difficult as I thought it was going to be.

Louise

See - there's hope for you yet!

Mark

Yeh, I guess. At least I know now I'm not dreaming when I say money's tight - it is!
So, seeing as though money's tight and you've got loads of spare money, fancy sending some of it in my direction?

Louise

Nice try but I work hard for what I earn. And anyway you're not due a pay review for at least another six months! No, it's not like I've got loads of money to spare - it's just more than I'd expected… it was a bit of a surprise really, if you'd asked me this morning I would've told you I didn't have anything to spare!

John

Well, now that you know what you've got, make sure you don't waste it or fritter it away. Put your money away until you're my age when you really need it!

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