The Sunday Telegraph (Sydney) - Body and Soul - - Finance -

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

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