Keeping emotions out of finance may be common sense but often it is difficult to do so in practice. However, to be forewarned is to be forearmed. Whether you receive faulty goods, whether you are prevented from receiving moneys you were expecting or because a financial problem can no longer be fixed with sticky-tape and a blind eye, you will emerge the winner if you can argue your case with clarity and positivity. Indeed, there is a strong argument for initiating a “difficult” conversation because you will be in the driver’s seat. And although finances are the most likely target for these challenging influences, a similar calm and objective approach will resolve more than one problem.