Happy Money: The 5 Principles of Smarter Spending

“Annual income twenty pounds, annual expenditure nineteen, nineteen and six, result happiness.  Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.”  – Wilkins Micawber in the book David Copperfield by Charles Dickens   I have a confession to make.  The Micawber Principle, as stated above and from which this blog gets…