2021 is almost upon us, and one of my goals (which I’m actually starting from now) is to get a real handle on my finances and let minimalism work its magic on my bank account. I’m not going to lie; I have a real weakness for books, video games, cafe trips, alcohol, takeaways, and replacing my backpacks for newer ones that catch my eye. My worst financial sins by far are falling back on Paypal Credit or my Argos store card. The allure of these credit services has allowed me, throughout 2020, to make some really silly financial decisions and questionable purchases that were far from mindful. Admittedly, finances are…