About Money Decision Index

Money Decision Index is an independent catalogue of the financial decisions people make every day. Most money problems are not problems of income. They are problems of behaviour. As humans, we carry cognitive biases that shape how we choose, save, invest and spend, often without us noticing. This catalogue names those biases and shows you how to spot them in real decisions.

Why this catalogue exists

Every financial decision happens twice. Once in your mind, and once on paper. The decision on paper looks rational. The decision in your mind is shaped by biases that researchers have studied for over fifty years. Most people do not know those biases by name. They only see the result: the budget that never balances, the savings that never grow, the debt that never shrinks.

This catalogue closes that gap. Not by telling anyone what to buy or who to trust, but by naming the bias behind each decision. Once you can name a bias, you can see it the next time it appears. That single shift turns a vague feeling of frustration into a clear, repeatable way of deciding.

What this catalogue is for

This catalogue is a free education resource. Each decision is written in plain language, with no jargon, no formulas and no financial qualifications required to read it. The goal is for you to recognise your own behaviour in each entry, understand the bias driving it, and walk away with a small change you can apply this week, for yourself, your family or your team. Better decisions compound over a lifetime. This catalogue exists to make them easier to make.

The catalogue is built to be useful in different contexts. People read it on their own to make better decisions before signing something. Families share it before a big purchase or a move. Teams use it to support employees through transitions like a career change, a redundancy or a relocation. The same plain language works for everyone, because the biases work the same way in every brain.

Built to be read in any moment

Each decision is built around how people actually read. The headline in five seconds. The bias and the consequence in thirty. The full explanation in two minutes. Whatever time you have, you walk away with something useful.

Every entry follows the same simple shape. The decision itself, in your own words. What is really going on behind it. What to do, and what not to do. A short closing line you can remember. And, for anyone who wants to go deeper, the science behind the behaviour.

You do not need to read the catalogue in order. You do not need to read every entry. Pick the one that matches a decision you are about to make, learn one thing, and apply it. Knowledge compounds, the same way money does.