PHOTO: I had a goal, I had a budget, and I had the tools to maximise my savings…. and then I proceeded to change absolutely nothing. Supplied

Trying to fix your own finances is a bit like submitting to a colonoscopy: you never know exactly what you’re going to find, but chances are, the end result is going to be crap.

Like almost half of all Australians, I find myself living pay cheque to pay cheque most weeks — and it’s entirely my fault.

You see, I’m one of those awful latte-sipping millennials you’ve read about — the type who could probably buy a small island were smashed avo to become legal tender.

Two-for-one sale on activewear? Well, it’d be rude not to. Fishing rod with lever drag performance? Talk about an investment.

The upside is, I’m never short of tights and I think I could give Rex Hunt a run for his money.