Kay lives in Canberra, Australia with her husband and three young children. She is a qualified financial planner and is committed to finding the best ideas for cutting costs, saving time and buildi...view moreKay lives in Canberra, Australia with her husband and three young children. She is a qualified financial planner and is committed to finding the best ideas for cutting costs, saving time and building up a nice, big, fat emergency fund for unexpected events.view less