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I volunteered to dogsit my friend's 'cute and adorable' puppy and it cost me over £1,000 in damages. Should I send her the bill? VICKY REYNAL replies
21/04/25 10:54
I offered to look after my friend's allegedly 'cute and adorable' puppy while she went on holiday. But the puppy caused havoc. I am furious because my friend deceived me into thinking her puppy was 'good'. Should I send her a bill for the damage?...read
Why giving your children pocket money could be the most important thing you do for their future - and the mistakes you MUST avoid: VICKY REYNAL
14/04/25 10:57When I was growing up, pocket money was handed out sporadically to me and my siblings.
I'm paralysed at the thought of asking for a pay rise. Will I be fired for it? VICKY REYNAL replies
17/03/25 11:49I'm paralysed at the thought of asking for more money, despite knowing all my colleagues get more than me. How can I find the courage to speak up?
How an 'abundance mindset' can unlock your route to wealth, reveals money psychotherapist VICKY REYNAL
16/03/25 04:47Suzanne came to me for financial therapy because, despite having what most people would consider a successful life, she would stay up at night worrying, 'What if it all disappears?'
I made awful financial mistakes in my 20s - now I'm jealous of wealthier friends: VICKY REYNAL replies
10/03/25 04:44I made some truly awful financial mistakes when I was in my 20s. I can't sleep for worrying about how much money I lost. How can I stop my money anxiety?
I want to retire early at 48 but my wife says it's irresponsible: Money psychotherapist VICKY REYNAL replies
03/03/25 11:46I've said we can afford to retire with our savings but she's adamant that even if that were true, we should be working hard to support our three teenagers
Can I pay less when we go out for dinner because I'm vegetarian? VICKY REYNAL
24/02/25 12:07I'm vegetarian and fed up with always having to share the bill equally with my friends when we eat out at a restaurant. Mine is always the cheapest dish but it feels petty to ask to pay less.
I've got clients on £250k who think they're poor! How to feel wealthier by money psychologist VICKY REYNAL
22/02/25 09:50Why is it that you might not feel wealthy when you are clearly earning a lot of money - and what can you do to feel wealthier regardless of your income?
I pay for porn on OnlyFans and hide it from my wife. Should I feel guilty? VICKY REYNAL has a VERY surprising answer...
17/02/25 11:45My wife and I have agreed that we don't need to know everything about each other's spending and she knows that I sometimes watch free porn - but this feels different. Is it financial infidelity?
Nine signs your partner is a secret gambling addict - and the steps you'll need to take: VICKY REYNAL
04/02/25 10:01Financial secrets are more common than we'd like to think. In the UK, two out of five people in a relationship admit to financial 'infidelity'.
My friend told me it was fine to leave my car outside her house while we had lunch - but then I got a parking ticket. Should I ask her to pay half? Money psychotherapist VICKY REYNAL replies
03/02/25 11:49VICKY REYNAL: I can imagine your frustration. You relied on your friend, trusting she would give you accurate information and yet, she made a mistake and now you are asked to pay for it.
VICKY REYNAL: My daughter's boyfriend is a gambling addict and she wants ME to help pay off their debts. I think she should leave him - but should I give them one chance?
27/01/25 11:56My daughter has confided in me that her partner is gambling - to the extent that she has asked me for a loan so they can pay the mortgage.
I enjoy lying to friends and family about how much money I make - should I stop? VICKY REYNAL replies
20/01/25 04:48Money psychotherapist Vicky Reynal replies: Both the guilt and your curiosity about why you do it are good signs.
The five psychological blocks that make it impossible for some people to save money: VICKY REYNAL
14/01/25 10:09Saving money is often less about financial know-how and more about addressing the emotional and psychological factors that drive our spending.
You CAN make stocks and shares work for you... but these are the three things you must consider, writes VICKY REYNAL
06/01/25 04:46I like to dabble in stocks and shares. I'm a real beginner, but am in it to make short-term cash - for example, I just sold some shares to pay for my holiday flights in February.
VICKY REYNAL: My sister gave my children second-hand toys from a charity shop this Christmas and I'm FURIOUS - it's cheap and unhygienic. Shouldn't she have saved up to get them proper gifts?
30/12/24 11:47My sister bought my children presents from a charity shop for Christmas. I'm furious but am I wrong to feel angry? Money psychotherapist Vicky Reynal replies.
My widowed 77-year-old grandmother is dating a 41-year-old man - how do we stop him taking our inheritance? Money psychotherapist VICKY REYNAL replies
28/12/24 01:18My widowed grandmother is quite young-at-heart for 77 and is dating a man who is 41. She is happy and says he's not after her money but as her family, we are terrified.
You CAN stick to New Year money resolutions - if you avoid these common mistakes, reveals VICKY REYNAL
22/12/24 04:51Every year I see clients who have made New Year resolutions, in their words, 'to be better' with money. And every single year they find themselves failing by February...
You CAN stick to financial resolutions if you do this: Money psychotherapist VICKY REYNAL explains what to do
21/12/24 09:52Here are the four reasons why, in my experience, your New Year financial resolutions fail - and how you can stick to them this time.
My nieces and nephews want money for Christmas - is it fair to give them different amounts, and how can I stop it costing me a fortune? Money psychotherapist VICKY REYNAL replies
09/12/24 11:45I have ten nieces and nephews who I adore, and I buy birthday and Christmas presents for them all. But as they get older they prefer money instead, which can be quite awkward.
I have three grandchildren in their twenties who never visit me. Should I stop sending them cash? Money psychotherapist VICKY REYNAL replies
08/12/24 05:51I have three grandchildren in their twenties who I never see as they do not visit. Every birthday I send them a card with money included but I never receive a thank you message from them.
I borrowed £500 from my wealthy friend to fund my start-up - but now I'm terrified to tell her that I can't pay it back. Money psychotherapist VICKY REYNAL replies
25/11/24 12:08I borrowed £500 from my friend to invest in my start-up but despite my best efforts I can't pay her back. Should I ask her to forget my debt? Money psychotherapist VICKY REYNAL replies
How to get your adult kids to move out of the family home: VICKY REYNAL's ultimate guide to getting your children standing on their own financial feet
12/11/24 10:21Today, one in four adult children (4.9 million) live with their parents in the family home. It's a figure that's risen by almost 15% since the 2011 census.
My wealthy sisters make me feel mean at Christmas because they can lavish Mum with lots of presents - when I can't afford to. How do I tell them to stop? VICKY REYNAL has the answer to a festive dilemma
11/11/24 11:47My two sisters, who have highly-paid jobs, can't resist buying extra gifts, though we agreed to a fixed-price Secret Santa. Should I say 'no extra gifts!' this year?
My wife insists that we should combine our bank accounts now we are married - but I'm resistant to the idea. What should we do? Money psychotherapist VICKY REYNAL replies
28/10/24 04:53My wife insists we should combine our bank accounts now we are married. I feel resistant to the idea, but I am not sure why. Money psychotherapist Vicky Reynal has the answer...
Here's why you're bad with money. Psychotherapist VICKY REYNAL reveals the reasons you just can't tackle your finances... and what to do about it
21/10/24 11:55I am a procrastinator when it comes to dealing with my finances. What can I do to change this? Money psychotherapist VICKY REYNAL replies.
Labour's VAT hike is keeping me awake at night: How will I afford school fees? Money expert VICKY REYNAL reveals how to make the worry stop...
15/10/24 04:04I'm losing sleep over the Budget. I am up at night worried that I made a mistake to put my eldest in private education because, if the expected happens, I won't be able to afford my youngest to go there too.
Why should I put money away when I'll never make enough to have the life I want? Money psychotherapist VICKY REYNAL reveals what to do...
30/09/24 10:55My friends keep saying it's hopeless to put money away for the future. Part of me thinks they are being irrational but then again why should I save when I'll never make enough to have the life I want?
I'm in so much debt I'll never pay it back. Money expert VICKY REYNAL reveals what to do...
23/09/24 10:53I'm in a negative emotional spiral because of debt. Things started to go wrong a couple of years ago after my relationship broke up and since then, it's been one thing after another.
Why can't I stop stealing from the cars I'm employed to clean? VICKY REYNAL has the answer...
16/09/24 11:23Often I keep spare change from under carpets or between the seats. In the past few months it has got worse: I'm stealing change from the centre console department. A client noticed and complained...
I sold my engagement ring - do I have to give the money to my ex-husband? VICKY REYNAL has the answer...
02/09/24 11:05I've just sold my engagement ring from my first marriage. It was worth more than £15,000 and I have the money in a savings account.
My cleaner has been under-charging me. Should I raise her fee? VICKY REYNAL replies
26/08/24 10:59I found out that my cleaner has been seriously under-charging me: she started working for our family five years ago when we agreed a fee of £11 an hour and we have not reviewed this since.
I can't stop myself buying things. How do I control my urges? VICKY REYNAL has the answer...
19/08/24 04:04I feel a real urge to buy things when my hormones are all over the place every month. Do you have any tricks as to how I can stop myself? Money psychotherapist Vicky Reynal has the answer...
My father wants to set up pensions for my children - how can I convince him to spoil them instead? VICKY REYNAL has the answer...
12/08/24 11:22Dad never buys the children any gifts - he has set them all up with pensions! How can I persuade him to treat them now? Money psychotherapist Vicky Reynal has the answer...
How do I stop our nanny taking us for fools with high fees, because we rely on her and the kids love her? VICKY REYNAL has the answer
05/08/24 11:09Our babysitter has told us she's putting up her fees in September? I'm concerned that if we try to negotiate she'll just stop working for us.
Can I cut my hours but still be paid the same? VICKY REYNAL has the answer...
29/07/24 11:00I have an intense and busy job - there is no 'chilled' day at work. I really feel like asking to take a pay cut in return for working fewer hours - my teenagers need me around more.
Help, my father offered to pay for my son's university education... but I don't think he can afford it. How do I stop the worst happening? VICKY REYNAL
15/07/24 11:03My father offered to pay for our son to go to university - in front of him. I'm not sure my father is aware of the cost these days and I'm convinced he couldn't afford it. VICKY REYNAL advises
Our daughter needs a bailout from the bank of mum and dad. How can we help while still teaching her the value of money? VICKY REYNAL replies
08/07/24 03:56We told our daughter that she would have to spend her own money for her prom but we'd be happy to cover the cost of the dress and the prom ticket. However, she's failed to do that.
How can I demand my adult children pay me for looking after my grandchildren? Money Psychotherapist VICKY REYNAL has the answer...
01/07/24 10:55I am a grandmother of three gorgeous little boys and happily look after them in the school holidays. But taking them out adds up and I'd like to ask my son for £30 a day. Can you help?
Our 15-year-old's best friend is coming on holiday - how much should we charge her family? VICKY REYNAL replies
25/06/24 11:02We're taking our 15-year-old daughter's best friend on holiday with us this summer. How much should we charge her family? The holiday costs £400 but my husband says we should take her for free.
My husband wants to blow our emergency fund on a holiday: VICKY REYNAL replies
17/06/24 11:05My husband wants to use our emergency fund for a holiday abroad but I am adamant that if we have an emergency fund it's just for emergencies.
I'm already spending so much on going to a wedding abroad... and now they're demanding an expensive gift too. What should I do? Money psychotherapist VICKY REYNAL has the answer...
10/06/24 10:47Dear Vicky, My partner and I have been invited to my cousin's wedding in Tuscany. I'm close to my cousin so I definitely want to go and Tuscany is a place I've always wanted to visit.
Should we buy a £400 games console for our son, 8? My husband and I are arguing over it: VICKY REYNAL replies
04/06/24 11:20My husband and I are at a stand-off about our son's birthday present. Charlie is turning eight and has been begging us to buy him a game console that 'all' his friends have.
I have £400k in savings and no mortgage so why do I still worry? Money psychotherapist VICKY REYNAL replies
27/05/24 10:52It sounds like you hold on anxiously to things and money is one of those things. Having for years really struggled financially, you haven't been able to re-adjust to your new financial reality.
I was 'brokefished' by my friend for £400 - can I salvage our relationship? Money psychotherapist VICKY REYNAL replies
20/05/24 10:58My friend has telling me about how dire his financial situation is, so I lent him £400. But now he's bought a barbecue costing thousands. What do I do?
My top tips to avoid getting stung in a divorce, by money psychotherapist VICKY REYNAL
14/05/24 09:39As a psychotherapist I see clients in the throes of their own divorce, who are still talking of the impact of their parents breaking up many years earlier.
I repeatedly bail out my partner from his financial messes - should I pull the plug on him? Money psychotherapist VICKY REYNAL replies
13/05/24 10:59It sound like your partner might be caught up in a cycle of financial self-sabotage. Unfortunately, it may feel to you as if he keeps getting his own way but there are things going on here.
I'm jealous of my husband's dead ex-wife - she was rich and I can't match her flamboyant spending: What can I do? VICKY REYNAL replies
06/05/24 10:54I am intrigued by these fights over money - since money isn't scarce from the sounds of it so it would seem like you are clashing over different views on spending.
My dementia sufferer mother has been paying my brother thousands. I feel jealous and worried - should I confront him? Money psychotherapist VICKY REYNAL replies
29/04/24 10:45As her Power of Attorney, I can see that my mother, who has dementia, has been sending money to my brother. I'm worried he has talked her into it. Should I confront him?
Our friends wriggle out of paying their fair share on holiday - should we confront them? Money psychotherapist VICKY REYNAL replies
23/04/24 11:05We go on holiday every year with four other couples and their kids to a villa in Greece. Throughout the year we all pay into an account by direct debit so we can spread the expense evenly...
My husband managed all my money. Now he's left me, what do I do? Money psychotherapist VICKY REYNAL replies
18/04/24 03:59My husband dealt with our joint finances until we divorced last year. I feel completely overwhelmed at the thought of having to manage it all on my own! What should I do?My widowed 77-year-old grandmother is dating a 41-year-old man - how do we stop him taking our inheritance? Money psychotherapist VICKY REYNAL replies
11/04/24 10:56Dear Vicky, my widowed grandmother is quite young-at-heart for 77 and is dating a man who is 41. My grandfather left her comfortably off and we fear she might be fleeced. What do you think?
I didn't tell my fiancee about the money I inherited and now I've kept it secret for too long - what should I do? Money psychotherapist VICKY REYNAL replies
04/04/24 10:57As a couple I'd say we are quite good at managing money, but six months ago I received a pretty sizeable inheritance after my great aunt's passing and I haven't told her about it.
My friends say I'm a shopaholic but I'm 34, single and just like buying new things. How do I know if I have a shopping addiction? Money psychotherapist VICKY REYNAL replies
28/03/24 04:58'I am a 34-year-old professional living in London. I make a decent salary, I am single and I live alone. The other day, one of my friends called me a shopaholic and it got me thinking - am I?'
How you can give generously to your family and friends without being a 'control freak'
23/03/24 09:50I have listened to plenty of clients who felt regretful, if not resentful, having given generously - and with the best of intentions - only to be met with indifference, ingratitude or even anger.
My graduate son won't get a job and I'm worried I've spoiled him. How can I make him earn a living? Money Psychotherapist VICKY REYNAL replies
20/03/24 11:58Dear Vicky, I'm extremely concerned about my son who has yet to find a job even though he graduated from a good university last year. How can I get him interested in earning a living?
My son wants me to invest my pension in his business idea, but I'm worried I'll lose my money. What can I do? Money psychotherapist VICKY REYNAL replies
14/03/24 12:06My son wants me to invest my pension in his new business idea. What should I do? Money psychotherapist Vicky Reynal replies.
My wife and I are having less sex after she started earning more than me. What can I do? Money psychotherapist VICKY REYNAL replies
07/03/24 11:52My wife got a promotion which we both celebrated. I'm so attracted to her but I don't initiate sex as often as I feel different about her somehow. What can I do before it becomes a serious issue?
My divorced brother is dipping into our 94-year-old mother's cash and has used her home as a free hotel for ten years - how do we get him to put his hand in his own pocket? Money psychotherapist VICKY REYNAL replies
29/02/24 12:20My brother moved back into my 94-year-old mum's house ten years ago after divorcing but uses her bank card and stopped paying rent when she was hospitalised. Should we be worried?
Should we split inheritance between our dead daughter's well-off son and our daughter or all four grandchildren? Money psychotherapist VICKY REYNAL replies
22/02/24 12:01My wife and I are in our late 60s. Under normal circumstances we would leave our estate to our two daughters and split it 50/50. But our eldest daughter passed away ten years ago, leaving a son.My grandchildren in their 20s never visit - should I stop sending cash? Money psychotherapist VICKY REYNAL replies
15/02/24 12:03Every birthday I send them a card with money included but I never receive a thank you message from them. Should I now stop sending money or would it cause an upset?
How much SHOULD you spend on Valentine's Day? And how you may get it terribly wrong... Money psychotherapist VICKY REYNAL reveals all
14/02/24 11:51Valentine's Day offers an opportunity to express our love or interest in someone through a gesture - usually with a price tag attached. However, for many, it's a stressful day.
I'm worried my spendthrift, pension-free husband will condemn me to retirement poverty: Money psychotherapist VICKY REYNAL replies
07/02/24 11:55My husband and I have very different views on money. I am conservative, whereas money literally burns a hole in his pocket. What should I do? Money psychotherapist Vicky Reynal replies.
My husband resents me 'splashing out' from our joint account and it's making me miserable - what should I do? Money psychotherapist VICKY REYNAL replies
01/02/24 11:55It sounds to me as if you and your husband have opted for a joint bank account to simplify life admin but perhaps without a conversation about values and expectations.
How to talk to your family about money: Britain's first 'money psychotherapist' VICKY REYNAL reveals her five golden rules to avoid family feuds over your finances
23/01/24 04:45In my experience even the happiest of clans can come unstuck when the issue of money arises. Many families don't talk about money. They argue about money.
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