Do you overspend or make impulse purchases you regret later?
Do you never feel like enough money is enough?
Do you hide purchases from your partner?
Do you spend extravagantly on others to win their approval?
Do you resist spending money even on things you know you need?

One of your most important relationships is the one you have with money, yet you may not be aware of the complex web of emotions and past experiences that are really driving your money habits. 

Money on Your Mind helps you unpack these psychological hurdles and start making better financial choices. Through a mix of case studies, client stories, and her expertise in psychotherapy, financial psychotherapist Vicky Reynal reveals how an emotionally absent parent can result in comfort shopping, how bullying in school can lead to overspending, how absorbing a parent?s lack of boundaries can interfere with making rational financial decisions, and much more. Then, she helps you shift those ingrained attitudes and beliefs so you can stop falling into the same old spend-ing traps. You?ll learn to:

Recognize your spending triggers Let go of a scarcity mindset Free yourself of spending anxiety Take control over your money habits

With a better understanding of the root causes of your money struggles, a more secure financial future is possible.

Discover how your thoughts, emotions, and past experiences shape your money habits?and find your way to financial freedom.

Introduction 

How past experiences influence our relationship with money Overspending and its many drivers   Greed: when money is never enough   Underspending: when we can?t enjoy money  Self-sabotage: why we get in our own way Generosity: From inadequacy to control and why we give Stealing: reclaiming, rebelling or redemption? Control: A quest for power or closeness? Money secrets   Couples and Money Money and Other Relationships: Friendships, Families and the Workplace Understanding and Shifting your Attitude to Money

A Closing Message

"Investing Insiders Financial Book Award Winner 2025
Money Awareness and Inclusion Award for Best Book Winner 2024

"Money isn?t just a tool to pay for needs and wants, it?s a repository for a host of emotions including shame, doubt, and fear. Getting a handle on out-of-control spending, mounting debt, and other unhealthy ways of managing finances means first identifying the internal barriers to financial freedom. . . . In a time of finance bro podcasters shouting about fiscal domination, [Reynal] offers kinder, gentler advice that?s focused on banishing self-blame and setting human-size goals."

"Money on Your Mind is essential reading for anyone who has ever earned, spent, or saved money. As a financial psychotherapist, Reynal explains how the experiences we had yesterday shape our relationships with money today, and how we can improve our interactions not just with money but also with the partners and loved ones who share our financial resources and shape our financial decisions. Highly recommended."

"Our relationship with money runs deeper than we think, and Vicky Reynal is uniquely able to bring together real-life stories and research to show us just how deep our issues with money can go. She also offers tangible steps for improving your relationship with money now and into the future."

"As a Financial Times journalist, I have long been a fan of Vicky?s work as a therapist, and how she?s able to unlock deep-seated emotional problems with money that can hold us back in ways we simply don?t realise. In this intriguing book, Vicky leads her readers on an incredible voyage of financial self-discovery with plenty of ?aha? moments about how we could make more mindful choices with our money. Think of this as financial therapy with feeling."

"In Money on Your Mind, Vicky Reynal shares a clear and substantiated roadmap for the reader who wants to not only improve their finances, but also better understand their financial life. The relatable stories she shares will help readers create strategies to build financial wellness and a healthy relationship with money. This one is a keeper!"

"Vicky Reynal has written a remarkable book about our relationships with money. After reading it twice, I?ve gained even deeper insights into my own relationship with money and felt increased freedom in the way I see and experience money. When we minimize or deny human emotional responses, they come out sideways. Facing and acknowledging unwanted emotions like greed and envy instead of suppressing them has helped me step out of my financial shame spirals faster. This is a must-read."

"Vicky offers a clear understanding of common, and some less obvious, financial issues with her insightful exploration of our complex relationship with money."

"Before people can make positive changes to their financial habits, they need to understand the reasons behind their current habits. This book really helps address this more than any book I?ve read before."