Mind Over Money

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Claudia Hammond. Mind Over Money

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Also by Claudia Hammond

Time WarpedEmotional Rollercoaster

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But then is it really better to save a little less for shorter periods and to spend that money on, say, books? If you really like books, this sort of saving is really just another form of indulgence. And what of saving a large sum with no great object in mind? It might seem responsible. You never know when you might need the money. But in an adult, such saving might seem stingy or even miserly.

Taking everything into account, adults generally applaud the regular saving of a proportion of income. We need to save in order to afford a deposit on a home. It’s a form of insurance for spells of unemployment or a bout of illness. And of course, we have to think about retirement. I’ll come back to how adults can trick themselves into saving more in Chapter 13. But children struggle with the concept of a ‘rainy day’ – the umbrella in these situations is provided by their parents, their very own ‘nanny state’. And the self-restraint that saving requires is a real trial for children who live much more in the moment.

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