Features
The middle-class money trap: Why looking rich keeps Sri Lankans poor
Every January, we make grand resolutions about our finances. We promise ourselves we’ll save more, spend less, and finally get serious about investments. By March, most of these promises were abandoned, alongside our unused gym memberships.
The problem isn’t our intentions, it’s our approach. We treat financial management as a personality flaw that needs fixing, rather than a skill that needs the right strategy. This year let’s try something different. Let’s put actual behavioural science behind how we handle our rupees.
Based on the article ‘Seven proven, realistic ways to improve your finances in 2026’ published on 1news.co.nz, I aim to adapt these recommended financial strategies to the Sri Lankan context.” Here are seven money habits that work because they’re grounded in how humans actually behave, not how we wish we would.
While these strategies offer useful direction for strengthening personal financial management, it is important to acknowledge that they may not be suitable for everyone. Many households face severe financial pressure and cannot realistically follow traditional income allocation frameworks, such as the well-known but outdated Singalovada Sutta guidelines, when even meeting daily food expenses has become a struggle. For individuals and families who are burdened by escalating costs of essentials, including electricity, water, mobile connectivity, transport, and other non-negotiable commitments, strict adherence to prescriptive models is neither practical nor fair to expect. Therefore, readers should remain mindful of their own financial realities and adapt these strategies in ways that align with their income levels, essential obligations, and broader personal circumstances.
1. Your Money Problems Aren’t Moral Failures, They’re Data Points
When every rupee misspent becomes evidence of personal failure, we stop looking for solutions. Shame is a terrible problem-solver. It makes us hide from our bank statements, avoid difficult conversations, and repeat the same mistakes because we’re too embarrassed to examine them.
Instead, try replacing judgment with curiosity. Transform “I’m terrible with money” into “That’s interesting, why did I make that choice?” Suddenly, mistakes become information rather than indictments. You might notice you overspend at Odel or high-end restaurant when stressed about work. Or that you commit to expensive plans when feeling socially pressured. Perhaps your online shopping peaks during power cuts when you’re bored and frustrated.
2. Forget the Year-Long Marathon, Focus on 90-Day Sprints
A Sri Lankan year is densely packed with financial obligations: Sinhala/Tamil Avurudu, Christmas, Vesak, and Poson celebrations; recurring school fees; seasonal festival shopping; wedding and almsgiving periods; yearend festivities; and an evergrowing list of marketing-driven occasions such as Valentine’s Day, Father’s Day, Mother’s Day, and many others. Each of these events carries its own financial weight, often placing additional pressure on already-stretched household budgets.
Research consistently shows that shorter time frames work better. Ninety days is long enough to create a meaningful change, but short enough to maintain focus and momentum. So instead of one overwhelming annual goal, give yourself four quarterly upgrades.
In the first quarter, the focus may be on organising your contributions toward key duties and responsibilities, while also ensuring that you are maximising the available benefits for your designated beneficiaries. Quarter two could be about building a small emergency fund, even Rs. 10,000 provides breathing room. Quarter three might involve auditing your bills and subscriptions to eliminate unnecessary expenses. Quarter four could be when you finally start that investment you’ve been postponing. You don’t need superhuman discipline or complicated spreadsheets, just focused attention, one quarter at a time.
3. Make One Decision That Eliminates Weekly Worry
The best money decisions are the ones you make once but benefit from repeatedly. These are decisions that permanently reduce what behavioural economists call “decision fatigue”, the mental exhaustion that comes from constantly managing money in your head. What’s one choice you could make today that would remove a recurring financial worry?
It might be setting up an automatic standing order to transfer Rs. 10,000 to savings the day your salary arrives, before you can spend it. Maybe it’s consolidating your scattered savings accounts into one that actually pays decent return.
These aren’t dramatic moves that require personality transplants. They’re structural decisions that work with your human tendency toward inertia rather than against it. Most banks now offer seamless digital automation. You can set it up once and benefit from that decision every single month without additional effort or willpower. You make the decision once. You benefit all year. That’s leveraging your energy intelligently.
4. Stop Spending on Who You Think You Should Be
Sri Lankan society comes with heavy expectations. The car you drive, the school your children attend, the hotels you patronise, the brands you wear, all communicate your worth, or so we’re told. Much of our spending isn’t about actual enjoyment. It’s about meeting unspoken expectations, keeping up appearances, or aspiring to a version of us that doesn’t actually exist.
We buy expensive saris we’ll wear once because everyone does. We maintain memberships to clubs we rarely visit because it looks good. We say yes to weekend plans at overpriced restaurants because declining feels like admitting we can’t afford it. We upgrade phones not because ours stopped working, but because others have.
Before your next purchase, ask yourself: do I actually want this, or do I want to want it? If it’s the second one, walk away. You won’t miss it. This isn’t about deprivation, it’s about precision. When you stop spending to perform and start spending to support the life you genuinely enjoy, money pressure eases dramatically. Your resources align with your actual values rather than imagined expectations.
Maybe you don’t care about fancy restaurants, but you love long drives along the southern coast. Maybe branded clothing leaves you cold, but you’d spend any amount on art supplies or books. That’s fine. Spend accordingly.
5. Break One Habit, See If You Actually Miss It
We’re creatures of routine, which serves us well until those routines outlive their usefulness. Sometimes we spend money on habits that started for good reasons but no longer serve us. Alpechchathava, in Buddha’s teaching, means living contentedly with few desires. It guides a person to manage money wisely by avoiding excess spending, unnecessary debt, and craving, and by focusing on essential needs and wholesome priorities. In this way, wealth supports mental cultivation, generosity, and spiritual progress.
The daily kottu roti that once felt like a convenient solution after working late may now have turned into an unnecessary routine. Similarly, frequent P&S or Caravan snack runs, and the habit of picking up sugary treats like cakes and sweets, are not only costly but also wellknown to be unhealthy, as nutritionists consistently point out. Beyond food, other expenses such as magazine subscriptions, the monthly coffee meetup, or weekend mall browsing often continue on autopilot without us realising how much they add up. These seemingly small, habitual expenses can quietly drain your budget while offering very little longterm value.
Try this experiment: keep a money diary for one week. Note every expense, no matter how small. Then identify one regular spend and eliminate it for the following week. If you don’t miss it? Excellent, keep it gone. If you genuinely miss it? Add it back without guilt. This isn’t about permanent sacrifice.
It’s about snapping yourself out of autopilot and checking whether your spending still reflects your current reality, priorities and purchasing power. You might discover you’re spending Rs. 15,000 monthly on things you barely notice.
6. Create Your Crisis Playbook on a Good Day
Many financial disasters don’t happen because we’re careless, they happen because we’re panicked. When crisis strikes, job loss, medical emergency, unexpected business downturn, fear hijacks our decision-making. Our rational brain exists while panic makes expensive choices: high-interest personal loans, selling investments at losses, making commitments we can’t sustain.
The solution? Make your crisis plan before the crisis arrives. On a calm day, sit down and document: If I lost my income tomorrow, what would I do first? Which expenses are truly essential? What’s the absolute minimum I need to function? Who could I call for advice? Which savings are untouchable, which could be accessed if necessary? What government support or loan restructuring options exist (Not in Sri Lanka)? This is a sort of preparation for sudden shocks.
7. Question the Money Stories You Inherited
Sometimes our biggest financial obstacles aren’t failed attempts, they’re the attempts we never make because we’ve internalised limiting stories. “Our family was never good with money.” “Investing is for rich people.” “I’m just not the type who earns more.” “Women don’t understand finance.” These narratives, absorbed from family, culture, or past experiences, become invisible fences.
Question them. Where did this belief originate? Is it actually true, or is it a story you’ve been telling yourself for so long, it feels like fact? What would happen if you tested it? Often, these stories protect us from the discomfort of trying and potentially failing. But they also protect us from the possibility of succeeding. And that’s a far costlier protection than most of us realise.
The Bottom Line
Improving your finances in 2026 doesn’t require becoming a different person. It requires understanding the person you already are, your patterns, triggers, and tendencies, and working with them rather than against them.
These aren’t magic solutions. They’re evidence-based approaches that acknowledge a simple truth: you’re not broken, and your money management doesn’t need fixing through willpower alone. It needs better systems, clearer thinking, and a lot less shame.
Features
Mannar’s silent skies: Migratory Flamingos fall victim to power lines amid Wind Farm dispute
By Ifham Nizam
A fresh wave of concern has gripped conservationists following the reported deaths of migratory flamingos within the Vankalai Sanctuary—a globally recognised bird habitat—raising urgent questions about the ecological cost of large-scale renewable energy projects in the region.
The incident comes at a time when a fundamental rights petition, challenging the proposed wind power project, linked to India’s Adani Group, remains under examination before the Supreme Court, with environmental groups warning that the very risks they highlighted are now materialising.
At least two flamingos—believed to be part of the iconic migratory flocks that travel thousands of kilometres to reach Sri Lanka—were found dead after entanglement with high-tension transmission lines running across the sanctuary. Another bird was reportedly struggling for survival.
Professor Sampath Seneviratne, a leading ornithologist, expressed deep concern over the development, noting that such incidents are not isolated but indicative of a broader and predictable threat.
“These migratory birds depend on specific flyways that have remained unchanged for centuries. When high-risk infrastructure, like poorly planned power lines, intersect these routes, collisions become inevitable,” he said. “What we are witnessing now could be just the beginning if proper mitigation measures are not urgently implemented.”
Environmentalists argue that the Mannar region—particularly the Vankalai wetland complex—is one of the most critical stopover sites in South Asia for migratory waterbirds, including flamingos, pelicans, and various species of waders. The sanctuary’s ecological value has also supported a niche with growing eco-tourism sector, drawing birdwatchers from around the world.
Executive Director of the Centre for Environmental Justice, Dilena Pathragoda, said the incident underscores the urgency of judicial intervention and stricter environmental oversight.
“This tragedy is a direct consequence of ignoring scientifically established environmental safeguards. We have already raised these concerns before court, particularly regarding the location of transmission infrastructure within sensitive bird habitats,” Pathragoda said.
“Renewable energy cannot be pursued in isolation from ecological responsibility. If due process and proper environmental impact assessments are bypassed or diluted, then such losses are inevitable.”
Conservation groups have long cautioned that the installation of wind turbines and associated grid infrastructure—especially overhead transmission lines—within or near sensitive habitats could transform these landscapes into lethal zones for avifauna.
An environmental activist involved in the ongoing legal challenge said the latest deaths validate earlier warnings.
“This is exactly what we feared. Development is necessary, but not at the cost of biodiversity. When projects of this scale proceed without adequate ecological assessments and safeguards, the consequences are irreversible,” the activist stressed.
The debate has once again brought into focus the delicate balance between renewable energy expansion and biodiversity conservation. While wind energy is widely promoted as a clean alternative to fossil fuels, experts caution that “green” does not automatically mean “harmless.”
Professor Seneviratne emphasised that solutions do exist, including rerouting transmission lines, installing bird diverters, and conducting comprehensive migratory pathway studies prior to project approval.
“Globally, there are well-established mitigation strategies. The issue here is not the absence of knowledge, but the failure to apply it effectively,” he noted.
The timing of the incident is particularly worrying. Migratory flamingos typically remain in Sri Lanka until late April or May before embarking on their return journeys. Conservationists warn that if hazards remain unaddressed, larger flocks could face similar risks in the coming weeks.
Beyond ecological implications, experts also highlight potential economic fallout. Wildlife tourism—especially birdwatching—contributes significantly to local livelihoods in Mannar.
Repeated reports of bird deaths could deter eco-conscious travellers and damage the region’s reputation as a safe haven for migratory species.
Environmentalists are now calling for immediate intervention by authorities, including a temporary halt to high-risk operations in sensitive zones, pending a thorough environmental review.
They stress that protecting animal movement corridors—whether elephant migration routes or avian flyways—is a fundamental pillar of modern conservation.
As the controversy unfolds, one question looms large: can Sri Lanka pursue sustainable energy without sacrificing the very natural heritage that defines it?
Pathragoda added that for now, the sight of fallen flamingos in Mannar stands as a stark reminder that development, if not carefully planned, can carry a heavy and irreversible cost.
Features
‘Weaponizing’ religion in the pursuit of power
A picture of US President Donald Trump apparently being prayed for by supporters, appearing in sections of the international media, said it all loud and clear. That is, religion is being flagrantly leveraged or prostituted by politicians single-mindedly bent on furthering their power aspirations.
Although in the case of the US President the trend took on may be an exceptionally graphic or dramatic form, the ‘weaponizing’ of religion is nothing particularly new, nor is it confined to only religiously conservative sections of the West. For example, in South Asia it is an integral part of politics. The ‘South Asian Eight’ are notorious for it and it could be unreservedly stated that in Sri Lanka, the latter’s ethnic conflict would be more amenable to resolution if religion was not made a potent weapon by ambitious politicians of particularly the country’s South.
The more enlightened sections of Christian believers in the US may not have been able to contain their consternation at the sight of the US President apparently being ‘blessed’ by pastors claiming adherence to Christianity. Any human is entitled to be blessed but not if he is leading his country to war without exhausting all the options at his disposal to end the relevant conflict by peaceful means.
More compounded would be his problem if his directives lead to the death of civilians in the hundreds. In the latter case he is stringently accountable for the spilling of civilian blood, that is, the committing of war crimes.
However, the US along with Israel did just that in the recent bombings of Iran, for instance. The majority of the lives lost were those of civilians. If the US President is endowed with a Christian conscience he would have paused to consider that he is guilty of ordering the taking of the life of another human which is forbidden in the teachings of Jesus Christ.
Moreover, the ‘pastors’ praying over the US President should have thought on the above lines as well. May be they were in an effort to curry the President’s favour which is as blame-worthy as legitimizing in some form the taking of civilian lives. Apparently, the realisation is not dawning on all Christian conservatives of the US that some of these ‘pastors’ could very well be the proverbial false prophets and the latter are almost everywhere, even in far distant Sri Lanka.
However, the political reality ‘on the ground’ is that the Christian Right is a stable support base of the Republican Right in the US. Considering this it should not come as a surprise to the seasoned political watcher if the Christian Right, read Christian fundamentalists, are hand-in-glove, so to speak, with President Trump. But it is a scathing indictment on these rightist sections that they are all for perpetrating war and destruction and not for the fostering of peace and reconciliation. Ideally, they should have impressed on their President the dire need to make peace.
That said, political commentators should consider it incumbent on themselves to point out that religion is being ‘weaponized’ in Iran as well. Theocratic rule in Iran has been essentially all about perpetuating the power of the clerical class. The reasons that led to the Islamic Revolution in Iran are complex and the indiscreet Westernization of Iran under the Shah dynasty is one of these but one would have expected Iran to develop from then on into a multi-party, pluralistic democratic state where people would be enjoying their fundamental rights, as enshrined in the Universal Declaration of Human Rights, for example.
Moreover, Iran should have taken it upon itself to be a champion of world peace, in keeping with its Islamic credentials. But some past regimes in Iran had vowed to virtually bomb Israel out of existence and such regional policy trajectories could only bring perpetual conflict and war. Considering the current state of the Middle East it could be said that the unfettered playing out of these animosities is leading the region and the world to ‘reap the whirlwind’, having recklessly ‘sowed the wind’.
However, religious fundamentalism-inspired conflict and war has spread well beyond the Middle East into almost every region since 1979, the year of the Islamic Revolution in Iran. So much so, knowledgeable opinion now points out that religious identity has come to replace nationalism as a principal shaper of international politics or “geopolitics”, as quite a few sections misleadingly and incorrectly term it.
Elaborating on the decisive influence of religious identity, the well known and far traveled Western journalist Patrick Cockburn says in his authoritative and comprehensive book titled, ‘The Age of Jihad – Islamic State and the Great War for the Middle East’ at page 428 in connection with the war in Chechnya ; ‘If nationalism was not entirely dead, it no longer provided the ideological glue necessary to hold together and motivate people who were fighting a war. Unlike the Islamic faith, it was no longer a belief or a badge of identity for which people would fight very hard.’ (The book in reference was published by VERSO, London and New York).
In his wide coverage of Jihadist Wars the world over Cockburn goes on to state that today a call from a cleric could motivate his followers to lay down no less than their lives for a cause championed by the former. The 9/11 catastrophe alone should convince the observer that this is indeed true.
However, as often pointed out in this column, there is no alternative but to foster peace and reconciliation if a world free of bloodshed and strife is what is being sought. Fortunately we are not short of illustrious persons from the East and West who have shone a light on how best to get to a degree of peace. Besides Mahatma Gandhi of India, who was the subject of this column last week, we have former President of Iran Mohammad Khatami, who made a case for a ‘Dialogue of Civilizations’ rather than a ‘Clash of Civilizations’.
The time is more than ripe to take a leaf from these illustrious personalities, for, the current state of war in the Middle East has raised the possibility of a war that could transcend regional boundaries. The antagonists are obliged to exhaust all the peaceful options with the assistance of the UN system. Besides, war cannot ever have the blessings of the sane.
Features
Venerable Rahula Thera’s 35-year green mission and national Namal Uyana
It was 35 years ago, on March 28, 1991, that Venerable Rahula Thera, then a young monk, embarked on a journey to the Na forest in Ulpathagama, Palagama, in the Anuradhapura District. Today, three and a half decades later, this mission stands as living proof of the enduring bond between Buddhist philosophy and the natural world.
Marking the 35th year of this green mission, Rahula Thera’s relentless dedication has transformed the National Namal Uyana into an environmental landmark admired not only across Sri Lanka but around the globe, as well.
When studying the life of Venerable Rahula Thera, one cannot ignore the profound connection between Buddhism and the environment. Buddhism is a philosophy deeply attuned to nature. The historical use of the sacred “Na Ruka” by all four Buddhas: Mangala Buddha, Sumana Buddha, Revata Buddha, and Sobhita Buddha — for enlightenment —demonstrates that from time immemorial, Buddhism has maintained a sacred bond with the Na tree. From the birth of Siddhartha to his enlightenment, the propagation of the Dharma, and even the great Parinirvana, all of these milestones unfolded in verdant, living landscapes.
Venerable Rahula Thera did not embark on the Namal Uyana mission seeking government support or personal gain. His commitment sprang from a deep devotion to the Buddha’s teachings on grove cultivation. A grove cultivator is one who spreads compassion for nature. As the Vanaropa Sutta teaches:
Venerable Rahula Thera reclaimed Namal Uyana which was then under the control of timber smugglers and treasure hunters. The term “Wanawasi” does not merely mean living in a forest; it signifies finding rest and enlightenment through nature, free from the destructive roots of greed, sin, and delusion.
Another defining aspect of Venerable Rahula Thera’s 35-year mission is the purification of the human mind. He has consistently taught the thousands who visit Namal Uyana that a person who loves a tree will never harm another human being. As the Dhamma proclaims:
It is important to remember that Venerable Rahula Thera devoted his life, without fear, speaking the truth and taking necessary action, tirelessly advancing the national mission he began. From 1991 to the present, he has worked with every government elected by the people, maintaining impartiality and independence from political ideology. Yet, he never hesitated to raise his voice fearlessly against any individual, of any rank or party, who committed wrongdoing.
Religious and Social Mission
The National Namal Uyana is not merely a forest; it is a magnificent heritage site, dating back to ancient times. Scattered across the landscape are boundary walls, the remains of ancient monastery complexes, and stone carvings believed to date back to the reign of King Devanampiyatissa. In earlier centuries, this sacred land had served as a meditation sanctuary for hundreds of monks. The name “National Namal Uyana,” by which this ecological and archaeological treasure is known today, was introduced by Venerable Rahula Thera in 1991. The government’s later recognition of the site as the National Namal Uyana stands as a significant achievement for both religion and national heritage.
Venerable Rahula Thera is a monk who has lived a life of renunciation. A striking example of this is his decision not to assume the position of Chief Incumbent of the National Namal Uyana Viharaya, instead entrusting the temple to the Ramanna Nikaya and its trustees. In doing so, he set a precedent for the contemporary Sangha. The Thera himself stated that he was merely the trustee of Namal Uyana, not its owner.
Legacy and Continuing Inspiration
The 35th anniversary of Venerable Wanawasi Rahula Thera’s arrival at Namal Uyana is not merely the commemoration of a period of time; it is a message of nature to future generations. Through his work, the Thera revived the ancient Hela tradition of loving trees and venerating the environment as something sacred. This religious and environmental mission remains unforgettable.
The revival experienced by Namal Uyana, after the arrival of Venerable Wanawasi Rahula Thera, is beyond simple description. Some of the major accomplishments achieved under his leadership include:
* Securing and protecting the largest Rose Quartz (Rosa Thirivana) reserve in South Asia.
* Restoring the Na forest spread across hundreds of acres, providing shelter to numerous rare plants and animal species.
* Transforming the area into a living centre for environmental education, offering practical learning experiences for thousands of schoolchildren and university students.
* Drawing the attention of world leaders and international environmentalists to Sri Lanka’s unique environmental heritage.
In recognition of his immense contribution to environmental conservation, Venerable Rahula Thera was honoured with the Presidential Environment Award and the Green Award in 2004—a significant moment in his life. Yet the Thera himself has always remained devoted to the work rather than the recognition it brings, making such appreciation even more meaningful.
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