You might have heard the term “circular economy” when reading one of those articles about families who only generate one small bag of rubbish per year, or who haven’t bought anything other than food for the last six months. That level of eco warrior-dom might seem out of reach for most of us, but what if we told you the circular economy could save you – and everyone – money, as well as saving the planet?

Analyst. London. 26. Co-habiting.

Most UK households are currently spending more than they earn.

Engagement at a FinTech. London. 21. Single.

What does financial independence mean to you?

It’s hugely important. I’m very happily married, and so it could be easy for me to over-rely on my husband, but I’ve hate the idea of going cap-in-hand to him for money. Also, you never know what life will throw at you. We may split up, or he may die… it’s important not to be squeamish about these possibilities. If I’ve learnt anything usual from ocean rowing and adventuring it’s to be pragmatic.

Destination Manager. Netherlands. 27. Single

Bonnie is the cool inspiring CEO/Founder of Seen On Screen, and her mission is to empower women through dance. And you know what’s amazing? Seen on Screen has just closed the world’s first ALL-FEMALE equity investment round. All the best, Bonnie. See it, dance it, own it!

Solicitor. 34 years old. Single. London

What does financial independence mean to you? "It means everything! It’s about freedom to do what you want with who you want, when you want, whilst giving it to those who matter to you most, like family. It's not about wearing designer clothes or looking flash; it is about the actual knowledge of how to create wealth and being disciplined enough to execute. The ultimate goal is to become wealthy without having to inherit, marry into it or win it."

Data Analyst. 34 years old. Married. Essex

Trainee Investment Manager. 28 years old. Living with partner. Essex

The Index Card: Why Personal Finance Doesn’t Have To Be Complicated

sales manager in London. 29 years old. boyfriend.

Thank you for your time. Rachel is the founder of Parent Money, a platform aimed at today's parents - “who want to save money, plan for their family's future and have some money left over for the fun stuff”. We love her mission so we thought you should meet her!

sales manager in London. 29 years old. boyfriend.

Forget bucket-lists: do what you love every day (at least for 15 minutes…)

Policy Officer in London. 24 years old. Single.