Cosmopolitan South Africa — January 2018

108 COSMOPOLITAN | JANUARY 2018 COSMOPOLITAN.CO.ZA

This easy ‘workout’ will get you

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BY DEVON MALONEY

WORRYING ABOUT

MONEY is the pits. What

it does to you physically

and mentally sucks even

more. According to fi ndings

reported in the journal

Social Science & Medicine,

fi nancial stress can cause

depression, anxiety and

hypertension. But you

know how even a short

daily workout does the

mind and body good? The

same rule applies to your

bank account. We tapped

certifi ed fi nancial planner

Pamela Capalad, founder

of Brunchandbudget.com,

to create an easy routine

to whip your wallet into

shape in seven days.

C’mon – get on it!

DAY 1

ID your spending habits

Ask yourself: are you

an impulsive shopper?

A savings hoarder?

A high-risk investor?

‘If you understand your

relationship with money,

you can fi gure out how

to make it work for you,’

says Capalad. And if you

have trouble identifying

your habits, sites such as

Sorted.org.nz offer free

surveys that help reveal

your money personality.

DAY 2

Assess your money diet

Dedicate a few hours – and

let’s be real, a glass of wine

• to sorting through your last
  three months of spending.
  Divide your expenses into
  categories with an app