Adam and Eve had very different approaches to risk and reward.

But a fundamental difference in how men and women operate was not confined to the Garden of Eden, with many modern day Adams and Eves still taking a very different view of many things, not least money.

Recent figures from Standard Life showed a difference in the level of financial confidence of men and women.

The financial confidence index found that men displayed a greater level of confidence than women, with men’s confidence ranked at almost 55 out of 100, compared with 52 for women.

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1. Be a technosaur. Marketing can convince us that we absolutely must upgrade our antiquated gizmos and gadgets in favour of much shinier, sleeker and more expensive versions.

The top-of-the-range phone, television, MP3 player or home sound system may have come down in price considerably due to the recession. But relative value is not a good enough reason to make a purchase. Unless you really need the bells and whistles version, forsake it in favour of your reliable dinosaur.

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