By Jennifer MeierhansBBC News
Image source, Nicola Richardson
Image caption, Nicola Richardson uses a cash envelope system to manage her money all year round
Nicola Richardson loves a frothy takea…
#NoSpendJanuary: Can it really be done? 2022-01-12T09:04:13+00:00 2022-01-12T09:04:19+00:00pccunny