Why ‘optimistic’ budgets and thinking about unusual expenses could transform your finances
Imagine staring at your bank statement, wondering how you’ve overspent again. You’ve tried budgeting apps, spreadsheets, the envelope system and even zero-based budgeting, but nothing sticks. Sounds familiar? If so, you’re not alone – and surprisingly, the solution might be to loosen up your financial planning rather than tighten it. Our research challenges conventional wisdom
