The average Brit reckons they take ten ‘risks’ a week, according to a study.
Leaving the house without a coat, letting the phone battery go lower than 50 per cent charged and going to bed past 11pm on a school night feature in the top 40 list of ‘little risks’.
Other mini risks, which emerged in the poll of 2,000 adults, include going outside with wet hair, ordering something other than the usual at a restaurant, or veering from the norm when buying lunch.
While others consider driving the car with little petrol and jumping down the last few steps of the staircase a little chancy.
Others feel they’re taking a risk if they dip into their savings, go into their overdraft or fail to pay their bills on time.
Stacey Stothard from Skipton Building Society, which carried out the study via OnePoll.com, said:
A risk is subjective and this research shows some of the everyday decisions Brits make that they consider come with a degree of risk to them.
From the chance of a poor food choice through to the possibility a decision could leave you without your mobile phone working– this new list reveals the top 40 scenarios Brits consider their most common little risks.
What’s interesting is this research presents a good snapshot of how we recognise and accept risk, together with our own personal boundaries and how far we’re prepared to push them.
People naturally see risk in different things, having different appetites to those risks, but the gap between what we consider to be risky, together with the potential reward, is ultimately what our decision is based on.
And this will likely differ depending on the wider risk subject and our personal involvement in it.
Researchers found Brits consider pressing snooze on the alarm, reading in the bath, boarding an airplane last and spending without checking the bank balance first, all to be risky.
Nearly three quarters of adults have taken a mini-risk without thinking through the consequences, and 50 per cent describe themselves as risk-takers in general.
The study suggests Brits look to take micro-risks to increase their adrenaline levels, as 66 per cent admit they wish they had more exciting lives – the same percentage wish they could be more spontaneous and daring, to make their lives more colourful.
Taking a little risk leaves 24 per cent of Brits feeling free, 28 per cent feeling exhilarated and 40 per cent feeling ‘nervous’, according to the results.
However, 46 per cent of respondents have had a seemingly harmless risk backfiring spectacularly on them.
One Brit tried to sneakily hop on a train without having a ticket – only to be promptly caught by a revenue protection team and forced to pay a fine.
Unsurprisingly, the weekend is the time we’re most likely to take a little risk – with Friday night first on the list of times.
And a quarter think the area of their life they’re most likely to take a risk in would be with their social life – with a fifth being most likely to risk their finances.
When it comes to money, failing to get advice from a financial expert is 21st on the top 40 lists of ‘mini risk’ Brits are guilty of taking.
Stacey Stothard added:
A risk can loosely be defined as the potential to gain or lose something of value.
But it’s not just fear of making a wrong decision that can lead to a ‘loss’; not taking any action can also do the same. It’s a matter of balancing the potential risk versus the potential reward.
So when you look at someone’s appetite to financial risk, say when considering investing money in addition to a typical savings account, the best way to asses that risk is to take the time to fully explore it.
People need to understand their own risk appetite, their financial goals, and speak to someone they can trust who has strong knowledge or experience in that specific area.
Based on what they find out, they can then decide if investing some of their money is something they’re comfortable with, and if so, which investments best meet their individual risk appetite.
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