Do your clients take the lesson? Not sure how long you have been an accountant, but if for a while, have you seen shifts in spending behaviours over time?
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Do your clients take the lesson? Not sure how long you have been an accountant, but if for a while, have you seen shifts in spending behaviours over time?
yeah, some do take it, and the ones who stick with it usually start by tracking spendign weekly and paying themselves first. Over a year I see a shift from chasing discounts to planned buys, more home meals, and a 24 hour pause before non essentials :) Life events push it too, like a new pet or school term, and budgets flex but the habit of reviewing together is what holds. I'm not decades in, but even in a few cycles the change is clear.. fewer oops swipes, more calm money talks.