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We spoke to Mo See­tub­tim, founder of The Hap­pi­ness Plan­ner (the­hap­pi­ness­plan­, about how to re­set our spend­ing habits…

Spend In Pro­por­tion

‘Your spend­ing should be in pro­por­tion to your in­come level. If you earned more, you could spend a bit more. But more of­ten than not you’re spend­ing more than you think. Add it up, now.’

Sur­round Your­self With Good Peo­ple

‘Be care­ful to re­mind your­self of your pri­or­i­ties. Some­times, peo­ple think hav­ing nice things will make them feel more complete, more ac­cepted and more re­spected. Who you sur­round your­self with plays a huge role in this. Are all of your friends ma­te­ri­al­is­tic? If so, it’s dif­fi­cult to avoid be­com­ing this way, too.’

Fo­cus On Your Goals

‘What do you want to achieve in the next five to 10 years? Do you want to buy a house? Know­ing what you want out of life will help you ad­just your spend­ing habits.’

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