An index to help you make better money decisions, 60 seconds each.
The catalogue is growing. New decisions are added regularly.
The catalogue of the financial decisions people make every day, and the biases behind them.
Most money problems are not problems of income. They are problems of behaviour. Every entry names a decision you have probably faced, the bias driving it, and what to do differently the next time it shows up.
The decision
You see something online for $389. Your card was charged $612.
What your mind does
It anchors to the first number and treats the extras as small additions.
What to do
Add all extras to the cart before comparing across providers.
Read the full decision →
The most read decisions in the catalogue. Each one takes under two minutes to read.
BANKING AND CREDIT
Your statement arrives. You owe $5,000. The bold number at the top says 'minimum payment: $100'. You pay it.
It feels like progress. There is a reason it isn't.
The part nobody told you →SERVICES AND SUBSCRIPTIONS
Three months in a row, you have not used a service you signed up for. The $80 charge shows up anyway. You think about cancelling but tell yourself you will start using it again next month.
It feels like loyalty to your past intentions. There is a reason it isn't.
Most people do this →INSURANCE
Your yearly service comes up for renewal. The new price is $1,420, up from $1,280 last year. You think about checking other competitors but it would take an hour and you are busy.
It feels like the safe choice. There is a reason it isn't.
A simple way out →SHOPPING TECH AND APPLIANCES
You buy something expensive at a store. At the checkout, you are offered extra protection for $180. You picture the thing breaking down, the repair bill, the stress.
It feels like protection. There is a reason it isn't.
Stop losing money to this →SHOPPING CLOTHES AND GROCERIES
You see something online for $389. You click. By the time you finish the checkout, your card was charged $612.
It feels like the same purchase. There is a reason it isn't.
See what is really happening →TRAVEL
You have a balance of 80,000 points in a loyalty programme. You have been saving them for something specific. Last year, that thing cost 60,000 points. You check today and it costs 95,000 points.
It feels like growing wealth. There is a reason it isn't.
What you are missing →Browse decisions by the kind of money choice you are about to make.
1 decision documented
Decisions about everyday banking, credit cards, overdrafts and borrowing.
1 decision documented
Decisions about everyday shopping coming soon.
1 decision documented
Decisions about electronics, appliances and tech purchases.
1 decision documented
Decisions about flights, accommodation and travel spending.
Coming soon
Decisions about cars, homes and major purchases coming soon.
1 decision documented
Decisions about home, car, health and life insurance choices.
1 decision documented
Decisions about subscriptions, memberships and recurring services.
Coming soon
Decisions about medical costs and health spending coming soon.
Coming soon
Decisions about long-term saving and investing coming soon.
Coming soon
Decisions about courses, training and education spending coming soon.
Money Decision Index for organisations and educators. Bring this to your team, your students or your community. Learn more →