What's the point in saving for that home in the city you might never afford when everything seems apocalyptic? Why tuck a little away for a rainy day when it feels like it's already pouring?
I mostly spend my money on going out or small treats through the day. I live on my own so I hate cooking, I always get takeaway or Deliveroo, I go out to dinner and get Ubers everywhere.
However, this mindset – this constant 'living in the moment' – is one of the key reasons why so many of us find it hard to make it to the end of the month with money to spare.
If a hole appeared in the roof tomorrow, I realistically could not afford to have that fixed.
What we do have on our side is technology. If we learn to use things like banking and saving apps properly, we may be able to unpick our less helpful spending habits.
Next time you go to reach for your credit card to make a purchase, just pause.