Frozen assets

GARETH SAYS…

My friend Emma came up with a great way to stop her melting her credit cards in the shops. She froze them in a cup of water and then defrosted them when she needed them. It stopped her from spending spontaneously but she still had access to them if she really needed them. It worked a treat.

I don’t think we will need to freeze our credit cards though. We are both pretty careful when it comes to hanging out with our friends Visa and Mastercard.