“I love going out with friends and buying things I like. Last month, I bought new shoes, a designer bag, and went to a concert, even though I didn’t have enough money. Now I have debts and I don’t know how to pay them back.”, “I plan everything in my life. I already have a plan for the next 20 years, including my job, holidays, and what I will buy each year. Sometimes my friends invite me to parties or trips, but I usually say no because it’s not in my plan.”, “I am very careful with money. I have a mortgage, so I plan every single euro. I calculate my expenses for the next months and make sure I can pay my bills, loan, and savings. I rarely spend money on fun things.”, “Whenever I see something nice, I buy it immediately. Last weekend, I bought three T-shirts, two handbags, and a pair of sunglasses, even though I didn’t need them. I don’t plan my spending, and sometimes I regret it later.”, “I spend a lot of money on parties, clubs, and eating out. Last Friday, I went to a club and spent 50 euros on drinks in two hours! I don’t think about saving, and sometimes I worry about money, but I just love having fun.”, “I am a student, and I have very little money. I need to pay for food, transport, and books. Last month, I had to choose between buying a textbook or paying for lunch for a week. Sometimes it’s really hard to manage.”, “I bought an expensive watch last month. It cost almost all the money I had! Now I don’t have enough money for groceries and transport. I feel guilty, but at the time, I really wanted it and felt happy.”, “Last week my phone broke and I had to buy a new one. I didn’t have money for it, so I had to borrow from a friend. I didn’t plan for this, and now I feel stressed and worried about paying them back.”

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Money problems for year 3
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