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General Finance
behavioural finance
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United Kingdom
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Latest Blog Posts

Many people wonder why some people seem to do well financially while others seem to struggle quite a bit when it comes to money issues. When considering this question you need to think about what kind of habits that a person has when it comes to their finances. Here are some practices that if not corrected can drive a person right into debt. Procrastinating When it Comes to Financial Decisions ...
Posted: Apr 25 2018 @ 10:00 AM
When you are looking to get better control over your money you may want to enlist the assistance of a financial adviser. A financial adviser can help you with investments, insurance, budgeting, retirement planning and more. They can help you save time and also help you avoid mistakes and make your plans more solid. There are several things that you need to keep in mind when looking for the best ...
Posted: Apr 18 2018 @ 10:00 AM
Many business professionals experience retirement crisis, even if they already have hundreds of times more in retirement funds than average workers. Although they have more than enough money to finance their retirement period, people can still be preoccupied with worries. Often, they already feel secure with financial status due to the solid savings caches from decades of high paying jobs. Their concerns are often focused on what they should do ...
Posted: Apr 11 2018 @ 11:02 AM
Hello and welcome to the first entry into a new bulletin. This bulletin will highlight some interesting things happening on the website and across the personal finance community as a whole. For the first entry, I want to draw your attention to our personal finance forums. DiscussPF Forums started just over a month ago and I have been spending lots of time tweaking the design and driving content. The forum ...
Posted: Apr 02 2018 @ 11:04 AM
I want to talk about how we value money and why this may sometimes lead to poor outcomes. The concept of mental accounting is used in behavioural finance and behavioural economics. It was a concept developed by Richard Thaler. Mental accounting describes the act of having many different accounts in your brain, which leads to valuing money differently. People will separate money in their minds into different accounts on a ...
Posted: Mar 26 2018 @ 8:00 AM
I have recently taken an interest into behavioural finance. This field combines traditional financial theory with psychology and other social sciences to give an insight into why things may go wrong. For example, traditional theory implies we act rationally all the time. We optimise our choices to maximise (or minimise) some form of problem. However in the real world, this just doesn’t hold true. Behavioural finance includes things such as ...
Posted: Mar 19 2018 @ 1:40 PM
A week of food can be costly. Breakfast and lunch out followed by the occasional dinner ordered in. For me, eating in was relatively uncommon, especially for lunches and it was costing me a lot of money. In total the expenditure could easily amount to over £70 a week. It’s not that I can’t cook, I just don’t tend to find the time to cook or pack lunches and dinners ...
Posted: Mar 12 2018 @ 9:00 AM
Before getting into my course in economics and studying personal finance in my own time, I had a lot of misconceptions that seem to be common place when it comes to investing. Thankfully my degree and own research taught me a lot about investment and have stopped me believing these misconceptions. However, many people within society still believe many myths and misconceptions about investment options. I will outline 5 common ...
Posted: Mar 05 2018 @ 8:00 AM
In my endless quest to save money for a mortgage and business investment, I will look at any expenditure and really ask myself if it is needed or not. I have questioned this with my main expense nowadays – the gym. Do I really need to be spending the better part of £60 on a relatively premium gym on a monthly basis' My analysis leads to mixed conclusions. Exercise on ...
Posted: Feb 26 2018 @ 1:03 PM
Something I always used to struggle with was my motivation. I would have ideas, things I needed to do and a great plan on how to get there but couldn’t find the motivation to actually get it done. I question how many opportunities I’ve missed out on from sheer lack of motivation to follow through on my plans. Websites, business ideas, jobs, books, and so many more. All with excellent ...
Posted: Feb 14 2018 @ 10:00 AM


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