How many times have you gone to the shops and bought another hair gel, nail varnish or packet of peas only to realise that you have several packets of all of the above?

It's that kind of mindless spending that is costing us money that we could be spending on ourselves, according to Mrs. Smart Money, Kel Galavan.

In 2019, after leaving her job to spend more time with her family, Kildare based Kel saved nearly €28,000 by undertaking a 'no spend year'.

Now she's taken those no spending skills and revolutionised her spending for good.

Kel has just released her first book 'Mindful Money' and she joined Dermot and Dave with some top tips.