Prepare more than you argue. Know the market range, know what you have delivered, know your walk-away position, and open with a specific number rather than a hopeful one.
Part 01
The lesson
Then let silence do work. Many men undermine a reasonable request by talking through it and negotiating against themselves.
Reflection
Questions to sit with
- 01Do you know exactly what you spent last month, or are you estimating?
- 02If your income stopped today, how long could your household continue?
- 03What are you actually building toward financially, and by when?
Put it into practice
Action points
- 01Track every expense for 30 days and categorise them at the end. Do not change your spending in week one — just observe.
- 02List every debt with its interest rate on a single page and choose a repayment order.