In our How I Manage My Money series we aim to find out how people in the UK are spending, saving and investing money to meet their costs and achieve their goals.

This week we speak to Harriet Smith, 34, who lives in Wiltshire with her husband, Scott, 36, their daughter, Emmie, seven, and sons Fox, three, and Teddy, who is ten-months-old. Harriet admits to being an impulse-buyer and has more than £40,000 worth of debt. She would like to be consistently earning £100,000 per year and wants to retire with a £1m pension pot.

Monthly Budget

My monthly income: My monthly take-home pay is around £3,500 from my full-time job as a digital marketing strategist at a company linked to the recruitment sector. The income from my user generated content work varies, but since starting in May, I have

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