Emma Edwards

Yeah, it's individual to everybody.

And obviously your spending being a symptom of something, what that something is can be on a sliding scale.

And in some cases there needs to be professional intervention.

Obviously we can't disregard that.

And it's often difficult talking about it because I kind of tell my story and I go, and then I changed my habits and I did this.

And people are going,

How?

It is, it's a lot of things and it's a bit like the science of behavior change.

There is this whole pre-contemplation stage where you are contemplating making change.

It's been studied in smokers and people changing their diet and exercise habits and that kind of thing.

And it's true for all kinds of behavior change.

You

are in several stages before you actually make the change.

And I think in that contemplation and pre-contemplation stage, you firstly need to make the link between how you feel about everything but money and your money.

Because often, you know, we don't think that.

We think that's because there's not enough.

It's because I've got kids.

It's because I...

I'm on a low salary.

It's because I live in London or I live in Melbourne or I live in Sydney.