Factor 1    Control of overall finances

Factor 2    Ratio of unsecured debt to gross income

Factor 3    Better to live life and enjoy it rather than worry about money.

Factor 4    Adjust the amount of money spent on non-essentials
                 when life changes.

Factor 1    Control of overall finances

Factor 2    Gross income

Factor 3    Think of money in terms of “pots” put aside
                 for different things.

Factor 4    Better to live life and enjoy it rather
                 than worry about money.