Got a sign above your toilet-roll holder insisting guests use no more than four squares per visit? OK, you may not be quite at that level (yet), but if you’re super-strict with your pennies – to the point of sitting out social events or only buying necessities when things become dire – you’re money vigilant.
Granted, there’s plenty of good that comes from treating your finances with care (this personality type is less likely to have zero savings, buy on credit or shop compulsively), but the downside is not insignificant, warns Menschik.
“Living with a constant feeling that the sky could be about to fall is exhausting. But what risk-averse people often don’t understand is that doing nothing with it and just having money sit under your