Do t he f i nan­cial 5: 2

( WITH­OUT WON­DER­ING WHETHER LIFE IS WORTH LIV­ING)

Cosmopolitan (Australia) - - Work -

Set your­self goals: ‘Goals help to bring about a change in at­ti­tude,’ says Canna Camp­bell. Try for $10 or $15 dol­lars each week­day, and $ 40 or $60 for week­end spend­ing.

Tackle prob­lem ar­eas: Iden­tify the sit­u­a­tions in which you find your­self spend­ing, and then re­place these habits with other things.

Pay in cash: ‘Hand­ing over cash is painful, so we spend less; it’s called the flinch re­ac­tion,’ Camp­bell ex­plains.

Keep a spend­ing diary: See­ing how much money you’re hand­ing out daily will shame you into do­ing it less.

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