Welsh tenor Joshua Owen Mills is passionate about sharing the personal finance skills he has developed throughout his career as an opera singer. His website and social media channels The Art of Money Saving encourage and support others who are keen to pursue financial independence.

Joshua has also blogged about budgeting for the 21cMusician toolkit - read it here!

Music: Rachmaninov: Scherzo in D Minor, TN ii/40 performed by the St Petersburg Philharmonic Orchestra (Leningrad)/Mariss Jansons

YCAT's 'mini masterclass' series offers relevant advice from musicians, for musicians.

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