Money and emotion can't be separated easily. Despite what you think about money we make buying decisions emotionally.

When understanding what is important to you is the foundation you become clearer on your priorities. Being clearer on your priorities helps make money decisions that you won’t regret. Making better financial decisions enables us to achieve our priorities and live a life consistent with our values.

We all have a story we tell ourselves about money based upon our beliefs about it. We form our beliefs about money in our childhood, usually by the time we were 7. They come from what we observed and heard from our parents and other people of influence in our lives.

There was also one big benefit that I didn't fully consider when setting up the business and losing half our household income (and then all of it when my wife was made redundant). You soon find out what it is that is most important to you and what luxuries you don't really value.