Overspending is often framed as a self-control issue, but research suggests it’s rarely that simple. Our spending habits tend to be shaped by a mix of social pressures, emotional triggers, and issues of identity and self-worth. Add to that the convenience of online shopping, which has put a … [Read more...]

There’s no one-size-fits-all approach to managing your money. And especially when it comes to budgeting, the method that works for one person might feel restrictive or unrealistic for another. Finding the right system can take a bit of trial and error, but once you do, budgeting can feel less … [Read more...]

Saving for a home deposit can feel overwhelming. And with property prices seemingly always on the rise, it can feel like you’re chasing a moving target, no matter how much you put aside. But with a clear plan, realistic expectations and some discipline, you can make progress toward your goal sooner … [Read more...]

Having a healthy amount of cash in the bank can provide a sense of security. It gives you a safety net for emergencies and ready access to funds when you need them. But holding too much cash, especially for long periods, can come with hidden costs. Inflation erodes the value of cash There’s an … [Read more...]