The journal
All articles
Field notes on debt, budgeting, credit and the psychology of money — from someone who lived it.

Psychological Aspects of Budgeting
Short-Term Spend, Long-Term Regret: Balancing Financial Timeframes
November 14, 2023

Psychological Aspects of Budgeting
Procrastination to Prosperity: Turning Savings Delay into Growth
November 14, 2023

Psychological Aspects of Budgeting
Debt Now, Pay Later: The Perils of Hyperbolic Discounting
November 14, 2023

Psychological Aspects of Budgeting
The Now Trap: How Hyperbolic Discounting Affects Your Wealth
November 14, 2023

Psychological Aspects of Budgeting
Patience Pays: Mastering Delayed Gratification for Financial Gain
November 14, 2023

Psychological Aspects of Budgeting
Save Now, Not Later: Beating the Impulse to Spend
November 14, 2023

Psychological Aspects of Budgeting
Tomorrow’s Riches: Beating the Discounting of Future Wealth
November 14, 2023

Psychological Aspects of Budgeting
Priceless or Pricey? Overcoming the Endowment Effect
November 14, 2023

Psychological Aspects of Budgeting
Letting Go of ‘Mine’: Strategies to Reduce Endowment Bias
November 14, 2023

Psychological Aspects of Budgeting
Investor’s Bias: How the Endowment Effect Skews Your Portfolio
November 14, 2023