Why Everything Feels Affordable at 11pm

It is 11pm. You are not shopping, you are just looking. And the £60 in your basket feels completely fine. Ollie and Blip look at why late-night purchases feel so easy: your brain discounts the future, and at night the person who pays for it can feel like a stranger. Then three practical ways to get the decision out of the dark and into the morning: write it down instead of buying it, give your savings a name and a date, and charge your phone outside the bedroom. If this helps, like the video and subscribe to Cash Logic for more illustrated explainers about money, habits and everyday decisions. All figures are examples. The research on how people think about their future selves is described in general terms; findings vary between people. 0:00 It is 11pm and it all looks fine 0:46 Why future money feels cheaper 2:14 Why "sleep on it" fails 3:39 Fighting in the wrong place 4:10 Fix 1: Write it down 5:19 Fix 2: Give the money a name and a date 6:31 Fix 3: Charge your phone outside the bedroom 7:47 Get it out of the dark Helpful resources: MoneyHelper budget planner: https://www.moneyhelper.org.uk/en/eve...