Keeping a diary made me realise just how much of my income was going on socialising. This is unlikely to change at the moment, but I think I’ll be more aware of it in the future – CreditWise has made me realise that if I don’t ensure I have enough at the end of the month to pay off those bills and miss payments, I might end up harming my score.

I learnt so much about the credit score side of things, and as I want to have a mortgage by 2020, CreditWise is going to be a great tool to help me get my credit score to a better place by then.

I wasn’t aware that the length of time on the electoral roll at your current address would matter - and it might be something that could impact lots of young people in London who are likely to have to move rental properties regularly. It can affect your score because staying at an address helps to show stability to lenders.

I also realised that lenders can see a lot of information about your financial health and how you manage your money - much more than I knew myself. Even though they can’t see how I spend my money, they can get a good idea of how I manage it.

Going forward, I’ll be keeping a weekly total of what I’m spending and where, as well as making sure to keep an eye on my credit report through CreditWise.

It might not change my spending patterns at the moment, but when I want to start saving more in the future, hopefully it’ll help to know where my money is going, and I’ll know what to prioritise.

Money matters: 'I had no idea where to start nurturing my finances'