We have all felt overwhelmed or stressed and then made an impulsive purchase to feel better. It might be new shoes, a device we don’t need, or takeout for the third time this week. Have you ever thought about why we shop when our emotions are running high? Emotional spending...
Pension Contribution Mistakes That Cost You Later
Preparing for retirement can feel overwhelming, and it’s easy to put off savings for your pension. But ignoring your pension now can lead to problems in the future. We, at Circadian Capital, help you navigate the details of pension planning to ensure you have stability later on. Keep reading to...
5 Cognitive Biases That Sabotage Your Budget
Have you ever wondered why your budget looks good on paper but doesn’t work well in real life? If so, then you are not alone. Interestingly, the latest report from the Office for Statistics Regulation revealed that 40% of participants used official statistics to inform personal choices, such as budgeting,...
What Is Behavioural Finance and How Can It Improve Your Spending Habits?
Have you ever bought something you did not need and then wondered why? Or did you create a budget that disappeared halfway through the month? If so, then you are not alone. Many of us want to manage their finances well, but emotions and habits can make it difficult. This...
How Your Investment Strategies Should Change as You Get Older
In your twenties, retirement feels distant. By your forties, you might worry about whether you are saving enough. When you reach your 60s, the focus often shifts from growing your savings to protecting what you have built. As you go through life, your investment plans should change, too. What works...
Money Psychology & Behavioural Finance
Have you ever noticed that the way you spend money doesn't match your goals? Many people know what they should do with their finances, but something often gets in the way. Money is not just numbers. It's connected to our feelings, habits, and stories we've held onto for a long...