Most financial decisions are not really about money. They are about priorities, habits, emotions, relationships and the life we are trying to build.

Drawing on nearly two decades of experience as a Chartered Financial Planner, Change by Planning explores the psychology behind everyday financial decisions and the behaviours that shape them.

Through 365 short reflections, the author examines the thought processes behind spending, saving, planning, goal setting, confidence, uncertainty and change. Combining insights from personal finance, behavioural economics and everyday life, he encourages readers to think more intentionally about the choices they make and the future they want to create.

Structured as a collection of daily reflections, each entry encourages readers to pause, think and take small practical steps towards greater financial confidence.

Rather than offering quick fixes, investment tips or complex financial strategies, Change by Planning focuses on helping readers understand the process behind better decision-making. The result is a practical and thought-provoking guide to making more thoughtful choices about money, time and what matters most.

Whether you are looking to improve your financial wellbeing, develop better habits, or gain a deeper understanding of the psychology behind your decisions, Change by Planning offers a year's worth of insights designed to help you move forward with greater clarity and purpose.

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