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Summer bodies (and budgets) are made in winter. Image Credit: AdobeStock When the sunlight begins to fade and that first, crisp chill hits the air, the cravings for comfort food suddenly appear. For many of us, this means hearty stews and roasts, decadent pasta sauces, buttery curries or gorgeously gooey desserts. Yum!  But beware: seasonal overindulgence is not only limited to food but can also relate to personal finances. We’ve all heard of comfort eating and, similar to this, there’s comfort spending. For instance, at this time of the year, we may be tempted to fork out money for new clothes because last winter’s items are just so, well, last season. Or we may want to buy new soft furnishings, such as blankets, cushions and throws, to keep warm in style. Meanwhile, our electricity bill goes up as we plug-in heaters, keep TVs on longer, turn on ovens and hot-water taps more often, not to mention our lights are on for longer as daylight hours dwindle. We might also spend mo

Elize bothaManaging directorOld mutual unitநிர்வகித்தல் இயக்குனர்பழையது பரஸ்பர அலகு