How do you know that you have a monetary disorder and get rid of it
Get Rich / / December 20, 2019
If you spend too much, are living beyond their means, to go into debt, you probably are accustomed to consider themselves relaxed out spendthrift who just can not handle money. But your behavior may be an indication of the monetary disorder. Tells how it manifests itself and that it can be done.
What is the monetary disorder
Brad Klontz, a professor of psychology, saidDisordered Money Behaviors: Development of the Klontz Money Behavior InventoryThat any financial behavior, which leads to devastating consequences, can be considered a monetary disorder. In other words, you do not just earn less than they would have, and to commit acts which seriously affect your life, health, relationships with family and career.
In the US, monetary disorder can be found in the "Diagnostic ManualDiagnostic and Statistical Manual of Mental Disorders of Mental Disorders "- classification of mental diseases, created by the American Psychiatric Society. But in Russia, this diagnosis is not put. Unless a person is not suffering from one of the varieties of monetary disorder - Gamblers, it can be found in
ICD-10 under F.63 code.At first glance it may seem that the monetary disorder symptoms - it is only squandering or, conversely, parsimony.
But in fact they are much more diverse. Here are some signs isolatedDisordered Money Behaviors: Development of the Klontz Money Behavior Inventory psychologists:
- You hate to say about money. You no one recognizes that you have a problem, and prefer even close to say that all is well.
- You suddenly began to spend much more or much less than before. However, no objective reasons for such there is no change.
- You are abusing credit cards. For example, they regularly pay off even for basic purchases such products. Or make a new credit card to pay off debt on the old one. This behavior suggests that you long enough to ignore their problem and now they have acquired dangerous proportions.
- When thinking about the money you feel anxious and depressed.
- You offended or, conversely, withdrawal, when you try to talk about finances.
- You lost weight dramatically or, on the contrary, gained weight. Constantly feel tired, do not sleep.
- You work a lot more than usual, to sit up late at the office, you take work home. You can not sit back and relax, constantly feel the need to get more money.
- You hardly force yourself to spend money even on the really necessary things and after every trip to the store for a long time frustrated.
- You often make impulsive purchases beyond their means, and after You feel guilty.
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What is the monetary disorder
All manifestations of monetary disorder specialists are combined into several groups.
1. compulsive spending
That is a painful dependence on purchases and an irresistible urge to go shopping. Such a condition is also called shopogolizm, and he exposed5 Patterns of Compulsive Buying about 6% of people. Before you make a purchase, a person feels uplift and inspiration, and when money is spent - feels immensely guilty and depressed.
2. Hoarding and extreme savings
Here the situation is quite the opposite. A man obsessed with the idea to save as much money as possible and at the same time is afraid to spend even a penny. In the most severe cases, such pathological drives, with the impressive sum of accounts, sleeping on the bare mattress and scavenge in dustbins. As an American Kei Hashimoto, who at quite a decent living incomeHow lives a woman who spends on food 900 rubles per month about $ 15 per month.
3. workaholism
Certainly in your neighborhood you have a couple of people who are proud to call themselves workaholics and consider it a positive quality. But the real workaholism - a pathological condition, because of which a person becomes obsessed with work and earnings. Labor becomes a real addiction, and the one who suffers from it, reloads itself, can not rest and is constantly experiencing anxiety.
4. Gambling addiction
She Gamblers, or craving for gambling. This diagnosis has long been known and have evenOVERVIEW views on gambling addiction ICD-10. A person is formed painful need to constantly engage in gambling, which he, of course, lowers all their own, and sometimes other people's money.
5. Financial lie
Man deceives family, it gives them false information about their income, credits, savings and spending. Because he is afraid of condemnation and conversation on these topics feel very uncomfortable.
6. overprotection
This story is typical mainly for very wealthy people. It so happens that they fill up their loved ones and children with money, immediately rush to solve any of their problems - even if one did not ask for - and as a result do not allow to take the initiative and learn to earn independently.
7. financial dependence
The opposite situation. Because of fears of immaturity or a person does not make itself (although it may do so) and completely shifts the responsibility for their own software on someone else. For example, on a spouse or parent. This does not apply in cases where the family consciously decided that one works and the other monitors the home and children.
8. financial folly
Sometimes this behavior is even called financial abuseFinancial Incest: The Behavior That Can Set Kids Up For A Life Of Money Issues. The bottom line is that parents engage in their children's financial problems, and report information that those in power know the age is not necessary. For example, constantly complaining about the lack of money, they admit that they can be fired, or ask a child communicate with collectors. Since children in this situation are helpless and can not make themselves, after such requests and petitions are experiencing a lot of stress and do not feel safe.
9. Negation
A person simply ignores all of its financial difficulties and pretends they do not exist. Because of the problems of thought too painful for him. In some cases, these "deniers" are not thrown out by reading the account and reset calls from the bank.
find out🤔
- TEST: What is your level of financial literacy?
The reasons for the monetary disorder
1. Settings
There is still the idea that money - this is something low and dirty, and strive to earn more - unworthy.
People who believe in it, believe that an honest and spiritual person in the case of what is required to help a higher power.
"God gave bunny, and give the lawn" - something like that. Because of this approach, people do not know how to handle money, do not look for opportunities to make extra money, and making as many financial problems.
2. training
Attitude to money, we often assimilating from our parents. If the family were financial accounting, carefully planned spending, we practiced reasonable savings and taught all this child, man and an adult will handle money wisely. And everything will be totally different if the parents were spenders, always sat in debt and do not instill in children the basics of financial literacy.
3. mental diseases
Inability to handle money, compulsive spending, addiction and denial of financial problems may well be manifestations of mental disorders. Such as depression or bipolar disorder.
How to get rid of monetary disorder
Since this is not a diagnosis, and options and displays it quite a lot, in every case needs its own approach. But there are a few universal guidelines.
1. Recognize the problem and try to solve it yourself
I have to admit even to himself, that your expenses, debt, or, conversely, extreme savings can ruin your career, relationships, family. And yet these problems make you constantly live in anxiety and stress, Lie closest to run from the collectors.
As a result, no one but you do not correct this situation.
So, it is you have to analyze your financial situation, write down all the loans and unreasonable costs to consider debt repayment plan and begin to keep records of income and expenses. If it is too difficult to do on your own, it is not superfluous to consult a financial advisor. Yes, they also have in Russia.
2. Walk 12 steps
In Russia there are several groups of debtors anonymous or anonymous spenders. They workAnonymous dolgogolikov based on the well-known 12-step program12-Step Programs deliverance from addictions, and, thanks to mutual support of all participants, helping to overcome the financial problems and to generate healthy financial habits.
3. Ask for help
For example, tell us everything you know that you will be able to listen and support. or contact a therapistWhich will help you understand where the legs grow at your unjustified expenses, dependency and other problems. And at the same time tell me the way to financial and mental recovery.
see also🧐
- 10 TED lectures from financial gurus who taught to handle money
- How to teach a child to handle money
- 30 financial tips to help you become richer