Instant Gratification versus Delayed Gratification
![turnover in self-employment](https://www.mrsmummypenny.co.uk/wp-content/uploads/2017/06/DSC_0173-1024x683.jpg)
Instant Gratification versus Delayed Gratification Back in early January I attended an event with B bank where they launched their B-tox challenge. I wrote about this challenge here with some simple changes you might want to make to reduce your monthly spend and maybe start saving or paying a bigger chunk of your debt repayment. […]