"If I carry on self sabotaging my financial progress, what will my life look like in 10 years time?"

Mindset advice from an expert.

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Something that comes up a lot in interviews - and also pretty much any conversation I ever have about money - is repeating money patterns. So many of us seem to be stuck in money loops that really don’t work for us, but we’re not sure how to get out!

A little while ago, I asked my subscribers to share some problematic money patterns and then I asked an expert for help…

Laura Ann Moore is a Money Mindset Expert and Financial Wellbeing speaker, teaching people about finances in a fun, jargon-free, judgment-free way. She was nominated by the British Bank Awards for Online Financial Influencer Of The Year 2022 and 2023 and has featured on popular radio and TV stations including BBC News. 

After successfully saving £40,000 by the age of 27, Laura opened up online and is now on a mission to help people feel good about money, get financially confident, and build wealth. She has a community of over 55,000 followers and hosts her own podcast talking about all things money, mindset and motivation.

Question: I overspend, live beyond my means, then have a stiff word with myself. I pay back any debt, throw money back into my savings and feel better. A month later? I'm a bit bored again, maybe in need of a pick-me-up, and it begins again. This feels psychological, but any advice on how not to equate frugalness with a boring life would be great.