Capital Cognition
Capital Cognition is a blog on the Simply Put Psych Network that explores the connection between psychology and personal finance. By uncovering the “why” behind money decisions, we help readers understand their financial behaviours and build healthier habits. Grounded in research, we offers practical, actionable advice to empower people to improve their spending, saving, and investing habits. Whether it’s breaking free from emotional spending, understanding financial biases, or mastering mindful money management, Capital Cognition is here to guide readers toward a more confident and intentional financial life.

Why Do I Always Feel Broke, Even When My Bank Account Says Otherwise?
Feeling broke despite a stable income? Discover the psychology behind financial anxiety, lifestyle creep, and social comparison—and learn practical tips to shift your mindset for true financial security.

How to Stop Emotional Spending When Stressed or Bored
Struggling with emotional spending? Learn why stress and boredom trigger impulse shopping and discover practical strategies to break the cycle. Take control of your finances with mindful spending habits and healthier coping mechanisms.

What Childhood Money Beliefs Might Be Sabotaging My Finances?
Discover how childhood money beliefs impact your finances and learn to overcome limiting mindsets like scarcity, frugality guilt, and fear of success to build a healthier, empowered financial future.

Why Do I Procrastinate on Paying Bills Even When I Have the Money?
Struggling to pay bills on time even when you have the money? Learn the psychology behind bill procrastination and discover practical strategies to break the cycle and take control of your finances today.

How Can I Rewire My Brain to Enjoy Saving Instead of Splurging?
Discover how to rewire your brain to enjoy saving money just as much as spending! Learn powerful psychology-backed strategies, including gamification, automation, and mindset shifts, to make saving feel rewarding and effortless.

Why Do I Feel Guilty Every Time I Spend Money, Even on Necessities?
Do you feel guilty every time you spend money, even on necessities? Learn the psychological reasons behind money guilt and practical strategies to overcome it. Shift from a scarcity mindset to financial confidence with expert-backed insights!

Mastering Personal Money Management Through Psychology
Master personal money management with actionable insights rooted in psychology. Learn how to break bad habits, automate savings, and reach your financial goals.

The Psychology Behind Saving Money (and How to Make It Stick)
Uncover the psychology behind saving money. Get practical tips to conquer spending impulses, automate your savings, and build long-term financial security.

Understanding the Link Between Financial and Mental Health
Improve both your finances and peace of mind. Discover how to break negative spending habits, reduce money-related stress, and build a healthier financial future.

How Social Media Influences Your Spending Habits—and What You Can Do About It
Discover how social media influences your spending habits and learn actionable tips to take control of your finances. Stay mindful, avoid impulse buys, and spend smarter with these practical strategies!

Why a Growth Mindset is Key to Financial Independence
Discover why embracing a growth mindset is crucial for achieving financial independence. Learn practical steps to overcome setbacks, build resilience, and grow your wealth.

The Money Priming Effect: How Subtle Cues Shape Our Financial Decisions
Discover how the money priming effect shapes financial decisions, social behaviour, and well-being. Learn practical tips to harness this psychological phenomenon for smarter money management.

The History of Money and How It's Changed Us
Explore the fascinating history of money, from barter systems to digital currencies, and discover how money has shaped human behaviour, psychology, and society throughout the ages.

Mental Accounting: How We Assign Value to Money
Learn how mental accounting shapes our spending and saving habits. Discover actionable tips to manage money more effectively and improve your financial decisions with psychology-based insights.

The Anchoring Effect: The Mental Shortcut That Could Be Sabotaging Your Finances
Discover how the anchoring effect, a psychological bias, influences your financial decisions—from shopping deals to salary negotiations. Learn practical tips to avoid overspending, unfair negotiations, and budgeting pitfalls, while making smarter money moves!

The Psychology of Scarcity: How It Shapes Our Financial Choices
Learn how the psychology of scarcity impacts your financial decisions and discover practical strategies to overcome the scarcity mindset, improve your money management, and make smarter financial choices.

How Cognitive Biases Affect Your Financial Habits
Discover how cognitive biases like loss aversion, anchoring, and the bandwagon effect influence your financial decisions. Learn practical tips to overcome these biases and make smarter money choices for long-term success.

Why We’re Wired to Spend: The Psychology of Money Decisions
Discover the psychology behind your spending habits and learn actionable tips to manage your money better. From overcoming instant gratification to resisting emotional spending, this guide helps you make smarter financial decisions for long-term success.

The Psychology of Saving Money: Why We Save and Why We Don’t
Explore the psychology behind saving money. Learn about the effects of instant gratification, mental accounting, cognitive biases, and emotions on saving behaviour. Find practical strategies to improve your financial habits.

Financial Freedom Starts with Knowing the Value of Your Time
Discover how evaluating your purchases in terms of work hours can lead to smarter financial decisions. Use our Work Hours Calculator to understand the true cost of your spending and take control of your financial future.