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Why ‘optimistic’ budgets and thinking about unusual expenses could transform your finances

By Marcel Lukas, Senior Lecturer in Banking and Finance and Director of Executive Education, University of St Andrews
Ray Charles "Chuck" Howard, Associate Professor of Business Administration, University of Virginia

Imagine staring at your bank statement, wondering how you’ve overspent again. You’ve tried budgeting apps, spreadsheets, the envelope system and even zero-based budgeting, but nothing sticks. Sounds familiar? If so, you’re…

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