When the Moon and the Sun are both positioned on the same side of Earth, the lighted face of the Moon faces away from Earth. The side of the Moon that faces Earth is totally dark. This phase of the Moon is called a moon.

New Moon

Explanation: The phases of the moon simply refers to the different observable shapes of the moon. The moon phases may include ; full moon, waxing Cresent, waxing gibbous moon, New Moon, first quarter moon, waning gibbous moon, third quarter moon, with different shapes associated with the different observable phases. The new moon occurs at a point when the sun and the moon are positioned on the same side or elliptical longitude. The new moon marks the first lunar phase with the lighted part of the moon facing the sun and the the dark side positioned towards the earth.

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.

its kinda hard to answer this when we dont have all the information that we need.