Vicky Reynal

But the reason why people might end up being a bit messy with their spending are very broad. In some cases, it's a practical reason. They haven't gone through their numbers to see what they can afford to spend every month. They haven't done kind of a basic budget that tells them that you have X amount of dollars every month that you can spend on discretionary items and on going out and so on.

But the reason why people might end up being a bit messy with their spending are very broad. In some cases, it's a practical reason. They haven't gone through their numbers to see what they can afford to spend every month. They haven't done kind of a basic budget that tells them that you have X amount of dollars every month that you can spend on discretionary items and on going out and so on.

But the reason why people might end up being a bit messy with their spending are very broad. In some cases, it's a practical reason. They haven't gone through their numbers to see what they can afford to spend every month. They haven't done kind of a basic budget that tells them that you have X amount of dollars every month that you can spend on discretionary items and on going out and so on.

So they actually don't haven't done the maths to know what is within their means. But most often, there is something that is driving that that choice of spending. And it could be that there, maybe it's a personality thing, there might be an impulsive person who struggles to sit with their feelings, sit with any discomfort, and anytime they feel anything negative, they act on it.

So they actually don't haven't done the maths to know what is within their means. But most often, there is something that is driving that that choice of spending. And it could be that there, maybe it's a personality thing, there might be an impulsive person who struggles to sit with their feelings, sit with any discomfort, and anytime they feel anything negative, they act on it.

So they actually don't haven't done the maths to know what is within their means. But most often, there is something that is driving that that choice of spending. And it could be that there, maybe it's a personality thing, there might be an impulsive person who struggles to sit with their feelings, sit with any discomfort, and anytime they feel anything negative, they act on it.

And some people choose substances, other people choose shopping, the famous retail therapy, right? You do it because it makes you feel better, And there is a neurological process that makes you want to go back for more. And you can become quite hooked on that habit of, you know, addressing feelings through spending. In other cases, there's more deep seated reasons.

And some people choose substances, other people choose shopping, the famous retail therapy, right? You do it because it makes you feel better, And there is a neurological process that makes you want to go back for more. And you can become quite hooked on that habit of, you know, addressing feelings through spending. In other cases, there's more deep seated reasons.

And some people choose substances, other people choose shopping, the famous retail therapy, right? You do it because it makes you feel better, And there is a neurological process that makes you want to go back for more. And you can become quite hooked on that habit of, you know, addressing feelings through spending. In other cases, there's more deep seated reasons.

I mean, I had a client who shopped and in particular bought luxury handbags. And when we started to explore what is it about these luxury items that, you know, It was actually a sense that because there were quality products that lasted long, they would stay. And this particular woman had a history of being abandoned by her father when she was little.

I mean, I had a client who shopped and in particular bought luxury handbags. And when we started to explore what is it about these luxury items that, you know, It was actually a sense that because there were quality products that lasted long, they would stay. And this particular woman had a history of being abandoned by her father when she was little.

I mean, I had a client who shopped and in particular bought luxury handbags. And when we started to explore what is it about these luxury items that, you know, It was actually a sense that because there were quality products that lasted long, they would stay. And this particular woman had a history of being abandoned by her father when she was little.

And she said to me, you know, things stay, people leave you. And so it was actually a very painful place within her that was driving the spending. And it had nothing to do with, you know, doing a budget or not being impulsive. So the key there was to try and find a healthier way to relate with her father that didn't involve this whole financial self-sabotage.

And she said to me, you know, things stay, people leave you. And so it was actually a very painful place within her that was driving the spending. And it had nothing to do with, you know, doing a budget or not being impulsive. So the key there was to try and find a healthier way to relate with her father that didn't involve this whole financial self-sabotage.

And she said to me, you know, things stay, people leave you. And so it was actually a very painful place within her that was driving the spending. And it had nothing to do with, you know, doing a budget or not being impulsive. So the key there was to try and find a healthier way to relate with her father that didn't involve this whole financial self-sabotage.

Before they even come to me, I would say educate yourself about money because a lot of money problems have to do with financial literacy or illiteracy in this case. So people feel anxious about money, and about 50% of the population in most countries, in the US it is above 50, feel anxious about money. And the more we know about money, studies have shown, the less anxious we are about it.

Before they even come to me, I would say educate yourself about money because a lot of money problems have to do with financial literacy or illiteracy in this case. So people feel anxious about money, and about 50% of the population in most countries, in the US it is above 50, feel anxious about money. And the more we know about money, studies have shown, the less anxious we are about it.

Before they even come to me, I would say educate yourself about money because a lot of money problems have to do with financial literacy or illiteracy in this case. So people feel anxious about money, and about 50% of the population in most countries, in the US it is above 50, feel anxious about money. And the more we know about money, studies have shown, the less anxious we are about it.

So the first step is, know more about finances, because that's going to avoid a lot of money mistakes. One of the statistics that has shocked me is that in the US one in three teens doesn't know the difference between a credit card and a debit card. And that's really important to know if you're going to start your financial life on a good footing trying to avoid credit card debt, right.

So the first step is, know more about finances, because that's going to avoid a lot of money mistakes. One of the statistics that has shocked me is that in the US one in three teens doesn't know the difference between a credit card and a debit card. And that's really important to know if you're going to start your financial life on a good footing trying to avoid credit card debt, right.