Why Most Budgets Fail (and How to Fix Yours) | UK Money Tips by Plouta

Feel like money’s vanishing from your account? You’re not alone.

In this episode, Vignes (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.