workbook

The Overspending Autopsy

Find the four psychological leaks in your own spending: each comes with the study behind it, a fill-in audit of your real numbers, and one if-then fix you can run this week.

The mechanism inside

Pain of paying (Prelec and Loewenstein, 1998), mental accounting (Thaler, 1985; 1999), hedonic adaptation (Brickman, Coates and Janoff-Bulman, 1978), and present bias with pre-commitment (O'Donoghue and Rabin, 1999; Thaler and Benartzi, 2004). Plain words, real sources, one fix per leak.

What you get

• The 60-second first pass: find your painless purchases before you even print
• Four leak pages: mechanism + study, a fill-in audit with a worked example beside every blank, one if-then fix
• Five US-Letter pages, prints fine in black and white, works on a tablet
• Instant download, PDF with selectable text, 14-day refund

Checkout happens on Gumroad (instant download, card or PayPal). Not happy with it? Full refund within 14 days, no forms, no hoops.

Read the science first

• pain of paying cash vs card
• lifestyle creep psychology
• psychology of money habits