Why ‘optimistic’ budgets and thinking about unusual expenses could transform your finances
- Written by Marcel Lukas, Senior Lecturer in Banking and Finance and Director of Executive Education, University of St Andrews
Make it ambitious – research shows you'll be more likely to stick to your budget.wutzkohphoto/ShutterstockImagine 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,...
