Typologii Finish Spender Avider Saver Money Monk

It may seem strange to think that we have a specific personality for money, but we have it!

The type of financial personality indicates financial behaviors and influences the way everyone manages, spend, save and invest money.

That is, although we are unique, each in his own way, in the relationship with money we have some common characteristics.

These personalities / types are formed, like most models, in youth, but can change over time through:

• Repeated actions repeated

• The influence of the environment / entourage with emotional impact

• Unique events with a strong emotional impact
  
  

1.spend / spends – «I came. I saw. I bought.»

The spending / shopping Find its pleasure in purchasing goods and services. This type of personality has «the distance between the pleasant view with the paper» very short.

There are those who enter the supermarket after bread and milk and go with the basket full of you, on the principle «if we need».

He has the habit of buying things, even if he doesn’t need it, shopping is something that makes him feel good / significant. It makes expensive gifts to his friends, but it is no longer with personal expenses. The opportunity to spend is rarely lacking.

The effect, this type of personality has difficulty respecting a budget, saving for the future and priority to what is important. For him/she delaying immediate satisfaction in favor of long -term goals can be difficult. Although he says that «he wants to save», he seems to forget completely when he is in the shop.

Attaching a negotiable amount to put aside monthly, no matter how small.

For higher purchases, set up an amount and postpone the purchase for 1-2 days.

Automating economies and investments, I take away the money.

Shop with fixed amounts, leave the credit cards at home.

2. Hoarder / saver / economy – the mentality «I’m not scratched, I’m bought!»

Saveri respects a single «Save / Save / Save» mantra!

For them it is a relaxation to manage their budget and review their finances to see where they find in achieving financial objectives.

The money brings them a sense of security and control, often control their bank accounts and enjoy how much money they saved, they are happy when they capture super-promotion and the hunt for offers is an end in itself.

Spending money for gifts or entertainment is very difficult, because they do not fall into the necessary / important category, everyone is expensive, everyone is useless.

«Why give the money on something like that?»

In extreme cases, these people feel the need to keep their money in mattress or in maximum bank accounts, preferring to destroy their inflation rather than risk them through investments.

Salvalo, but ask yourself the question why do you do it and for whom?

Give yourself an amount for cuddle, which you can spend for anything from the beginning.

Educated financially, look at how you can invest your money to protect yourself from inflation.

3. Avider / avoid «Leave us to do!»

These people feel anxious, overwhelmed or incompetent in terms of money control and as such avoid carrying out the tasks relating to money management.

They don’t want to maintain a budget because it is tiring, they forget to pay bills or rates because they don’t know when they are due. I don’t know how much money they have in account or in savings or how much they earn in general.

They can enter into loan contracts at long conditions or great amounts without reading the contract carefully, without making some calculations on the principle «we are in some way».

He also avoids investing his money because the process seems overwhelming and heavy.

Start building your budget.

Assigns the amounts on categories of «financial prisoners» expenses.

If you feel overwhelmed, ask a friend of Saver to help you or a personal finance consultant.

Do not insert credit contracts without consulting someone with experience.

4. Money Monk / Money Monk «Money is the source of all bad»

A monk believes that the money is bad and the more there are more corrupt.

These people have a modest financial situation, tend to avoid trying to increase wealth, because if they face the accumulation of money they are greedy and their soul will be lost.

In addition, they feel guilty if they unexpectedly receive a large amount of money.

Money Monk will accept a low salary even if it negatively affects the level of life of the family, because it has problems negotiating her money. Never ask for an increase in salary: the need for money would mean greed.

Understand the good you would do to those around you if I had money.

Understand that not money itself is the problem but love for money.

There are many rich people who are correct and good.

5. Amasser / Investor «I like money, I know how to take care of them»

The investor is that the feeling of having large quantities of money at his disposal to spend, saving and investing a special pleasure.

When he does not respect their strategy and savings investments, it seems a feeling of emptiness, uselessness. For Amasser to have a lot of money, he gives him a feeling of power and self -esteem. It does not make hasty decisions regarding the risks, but studies them carefully, so it takes them in accordance with the financial objectives that fix them.

But it’s difficult for him to let someone else manage his money.

Continue to educate financially.

To avoid the temptation of pride and the perception of knowing everything.

Being aware of your habits when it comes to money will help you make changes in your life and bring balance.

It is important to note that we can be classified in different financial types. Most of us are a combination of categories and under the influence of experiences that our financial personality can change over time.

If you want to know which financial personality you would find the financial model evaluation test in the section Free resources.

Cross the test and see which type / personality adapts to you.