Money & Behaviour

Most people believe their spending decisions are primarily expressions of personal preference and deliberate choice. The research tells a different story. A significant fraction of … Read more

Financial comparison is relentless, mostly invisible, and genuinely destructive to both financial decision-making and personal wellbeing. The neighbour’s new car, the colleague’s holiday photos, the … Read more

There’s a peculiar financial experience that most people go through: they hit an income level that they once thought would feel like “making it” — … Read more

Spending guilt is more common than people realise — and it doesn’t only affect people who are struggling financially. Plenty of people with healthy savings … Read more

Most adults learned about money by absorbing whatever their parents accidentally demonstrated — the anxiety, the arguments, the spending habits, the things never talked about. … Read more

Nobody talks about boredom as a financial threat, but for a lot of people it’s one of the biggest ones. The afternoon scroll that ends … Read more

One of the most financially costly feelings is the belief that it’s too late to start. Too late to start saving. Too late to invest. … Read more

Most budgets don’t fail because people are undisciplined or don’t care about their finances. They fail because they’re badly designed. The budget was built on … Read more

It’s not just you. Research consistently shows that people spend more when paying by card — credit or debit — than when paying with cash … Read more

The most persistent myth in personal finance is that your income determines your financial outcome. It is intuitive — more money in means more money … Read more