Payday isn’t just about the moment when money hits our accounts – it’s about the cascade of bills, obligations, opportunities and emotions that come in the days that follow: the sudden whoosh of direct debit outgoings, the quick mental calculation of what’s left over and, for some, the worry about how to stretch until next payday. It’s the time when we can feel most confident about our finances or, conversely, realise how unconfident we really are.
The decisions we make, the systems we build and the conversations we have about our finances all contribute to our overall “money mindset” – and how we feel about our money confidence. Our money mindset affects not just our bank balances, but also our sense of security, our ability to plan for the future and, ultimately, our ambitions for our life.
