Like it or not we are all living in a consumer society which fosters spending. Subject to this we often end up having more things in our closets than money in our bank accounts. Truth is that you will either tell your money what to do or it will always manage you. Budgeting properly personal finances and putting money aside is an everyday challenge for lots of people. That is why I have the pleasure to delve into this adventure with Loic Le Pichoux, ex CEO of BNP Paribas Personal Finance and current co-funder and CEO of KLEAR. WM: What does management of personal finances mean to you? What are your…