Mindful money

Underlying reasons for overspending. Sorry to break it to you but you could be the reason... This article outlines the most common reasons for not succeeding with a budget. It's the first step in getting your money on track.

The way a person spends their time and money is a reflection on their values. Are you trading your time and money for things that are the most important to you?

Experiment with your budget by having a month or so of no personal spending. If you find 1 month easy, try 2 or 3. You'll find it's not that hard and you'll be rewarded for your efforts with a chunk to pay off debt or to save.

Some personalities don't respond well to challenges so just have a go and try experimenting with your money and budget instead. Fine tune things as you go and never fail again.

Change the way you think about your money and it's potential. Stop overspending to fill a void in your life.

Break these 15 bad habits and any more you can add and turn them into good habits instead.

Try putting these 15 good money habits into action to improve your finances and improve your life.

Do you need to look at your money and turn bad money habits into good money habits?