“When I was in my late teens I moved out of home and had to learn pretty quickly how to be financially disciplined. I created a budget and have been sticking to it. In the beginning it was really tough but I’ve been able to learn the difference between my wants and needs.

I also meditate and focus on my own personal happiness too. Needs and wants don’t just have to revolve around material possessions. When I hear my friends complain about wanting what they don’t have, I wish they took just a moment to realise how lucky they are to have their health and happiness.

My boyfriend and I are saving for a deposit to buy a house before our next birthday. It’s rewarding to see what financial foundations and positive thinking can do to turn a goal into a reality.”

Faces of UBank: Lisa