Feel like money’s vanishing from your account? You’re not alone. In this episode, Vigneswaran Rajagopal (Founder of Plouta) sits down with FCA-regulated financial adviser Joshua Shepherd to explore why budgeting often fails and how you can finally make it work.

We’ll cover:

✅ Why budget planning is key to financial freedom

✅ The psychology of overspending and emotional triggers

✅ Why most budgets don’t stick — and how to fix yours

✅ Proven budgeting frameworks (like 50/30/20) that actually work

✅ Simple, psychology-backed habits to take control of your money

Whether you’re struggling with impulse spending or just want a smarter plan, this episode gives you the tools to stop overspending and budget like a pro.

📲 Discover the Plouta Wealth Tracking App: Track your money, wealth, budget smarter and build your financial freedom: www.plouta.com

🤝 Want personalised investing advice? Book a free call with a trusted FCA-regulated adviser: 👉 Find an Adviser: https://www.plouta.com/find-advisers