Embezzler, saver or nihilists? What is your type of money and how to make friends with him
Get Rich / / December 20, 2019
Jan Kataeva
Family counselor, EFT therapist. It helps to maintain harmony in the relationship after the birth of children. Loves to learn, dance and read a good book.
My name is Yana. I embezzler. However much I earned, there is little left in reserve on hard times. When I go to travel, I spend everything I have in the local currency, literally to the cent and pence.
Besides embezzler, there saver, nihilists, a lover of risk and security guard. So called money personality types in the typology of Scott and Bethany Palmer (Scott Palmer, Bethany Palmer). Several classifications, but they differ slightly. I use this to work.
Cash personality types differ, of course, the attitude to money. Your type does not change throughout life. Embezzler can be stingy when his deeds are bad. But the situation should get better, and he relaxes again. Saver he was not to be. Amateur risk does not become a security guard. But knowing your type, we can consciously move toward balance and understand each other better.
Palmers believe that we have a primary and secondary personality types. Additional manifested in special situations, such as severe stress.
Ready to find out your type?
saver
You know how to save money. Do you enjoy to buy the right thing at the lowest possible price, and you are willing to spend time searching for the most advantageous offer. You have great feelings when we manage to save considerably.
I enjoy saying "penny ruble protects." You are not peculiar to impulsive purchases. You are by all means avoid the loans and debts.
You think a lot about their savings. Always try to spend wisely. Others sometimes think that you are too petty.
You are organized, responsible, you can trust.
You find it hard to part with money. Unexpected expenses to drive you into depression, so you know how to entertain bad. Family holiday with you can be a real challenge for family members, if they are not savers.
You saver, if it is true the majority of the following statements is for you:
- You always keep in mind your financial goals: how much to defer to what the budget fit.
- You usually sell unwanted children's clothes rather than seeding.
- You find it difficult to spend the money on themselves and their own pleasure.
- Going to the supermarket for batteries, you get out of it only with batteries.
- Your receipts for utility payments in order, all required payments are made on time.
- If an item is broken or torn, you make an effort to fix it. If the item can be repaired, you do not throw it.
- If the store a couple of blocks milk and eggs for 5 rubles cheaper than the store near the house, you walk a couple of blocks.
- You often dissatisfied with what unnecessary things your family spends money.
Embezzler
You spend money with pleasure.
You know how to enjoy themselves. Capable of broad gestures, love to give gifts to family and friends.
"Budget" and the words "planning'Cause you stress.
You spend everything you earn. For example, before you earn 20 thousand per month and spending 20. Then they began to earn 40 thousand and spend 40. income has now grown to 60 million, but to delay still does not work.
You often ASSUME loans. Monthly payments on the loan are doing sometimes at the last moment. Can overdue payment. Important Note: Not all people who have no savings and have debts - embezzlers. There are people whose income does not cover basic needs.
Are you ready to pay extra for comfort and convenience. You know how to enjoy the "here and now" most pleasant experience and an interesting experience above money.
You embezzler, if it is true the majority of the following statements is for you:
- You go to the supermarket for batteries and leave with batteries, mermaids for children, a bottle of mineral water and another pair vkusnyashek.
- You annoy people to calculate their spending until the ruble.
- You are close to the phrase "once living", "walk so to walk."
- Do you think that when it comes to family holidays, experience is much more important than money.
- Better to enjoy a good coffee in a cozy place than drinking mediocre coffee in a simple cafe for less money.
Amateur risk
You find it hard to resist the tempting possibilities. For the sake of the bright prospects you are willing to risk their savings.
Stability is not too attractive for you. Smooth and unhurried pace of life you would prefer a life full of ups and downs.
You are fond of nature. Do you like to try something new. You change jobs more often than your friends in the middle.
Do you ever so blinded by the potential of a proposal that completely forget about caution.
You may easily catch fire new ideasAnd you have a lot of ideas.
You are a lover to take the risk, if it is true the majority of the following statements is for you:
- Do you love the phrase "nothing ventured, he does not drink champagne," and the saying "a bird in the hand is worth two in the bush" has always been your internal protest.
- If you choose between the stable operation of middle-income and working without a steady income, but with the ability to break a big jackpot, you would choose the latter.
- The restaurant exotic cuisine you choose is not that closest to the usual food, but something new.
- Thoroughness and attention to detail are not your strengths.
- You are able to make decisions quickly.
security Watch
Your deepest fears - to be without money. Are you worried there will be enough for everything you need, now and in the future.
You save money not because they do not like to part with them, as the savers. And because you need for a restful sleep airbag.
You do not mind to spend on fun, but only if the money provided all basic needs and a little delayed for a rainy day.
Are you spending a lot of time to his budget, checking bills, distributing income and expenses. Your energy is spent on thinking about what bad can happen to your finances that can go wrong.
Between work with a fixed payment and work with a small part of the fixed interest and principal you choose the first, while the second would be more profitable.
You need time to decide on a major purchase. You carefully study the proposals, reviews, product characteristics.
You tend to cut at the root of the idea of your partner that seem risky.
You always try to control the situation. Your partner may complain that you try to control it as well.
Important for you to have a plan for all occasions.
You are the guardian of security, if it is true the majority of the following statements is for you:
- You do not go to sleep when there is a threat to your financial situation.
- Mother often said to you, 'Do not worry! Everything will be OK!"
- You agree that "a bird in the hand is worth two in the bush."
- You prefer to relax in the summer of the same proven place to go to one or two favorite restaurants.
- Sometimes buying decisions are you painfully. You have long thought and just can not decide.
Pofigist (izbegatel)
You're not too worried about the money. There is money - good. No money - no problem, there.
Money does not belong to your priorities. Taking life decisions, You take into account the money is not in the first place.
You can not stand to deal with receipts and other financial papers. Sigh of relief when someone takes on the utilities, taxes, duties and so on. For you it's just a meal.
You will not lead the budget and represent weak where your money is going. Understand this - more hassle than good as you think.
If the work you are dealing with financial reporting, it is your least favorite part of the job that you set aside at the last moment.
You live in a tiny apartment or a large house - you are satisfied with their lives about the same.
You are not a miser, you do not control the cost partner. But your carelessness in financial matters is fraught for the family.
You nihilists, if it is true the majority of the following statements is for you:
- It happens that, when negotiating on the work order or you forgot to learn about the payment.
- You do not know how much money you have in your wallet right now.
- Your receipts are in disarray.
- Hike in tax given to you harder than most of your friends.
- Between the more interesting work and more money you choose more interesting.
We could not find you? Reread carefully, remember their behavior in different situations. How do you make decisions? What motivates you? What is in you real joy and excitement?
Encouraging savers money in the account or in the pod, a situation in which you can save.
Embezzlers - the pleasure of the moment.
Lovers of risk - the enticing possibilities.
Security Watch - confidence in the future.
Nihilists - the ability to live by their own rules and do not bother about money.
How to balance the weaknesses of each type
This is not the classification, in which one embodiment of the ideal, and the rest - the losers. It is interesting that we are pleased to recognize the strengths of its money type, but in monetary type of partner are more likely to see defects and irritated because of them. Let us, on the contrary, to appreciate each other's strengths and together make a "stretch" to balance their weaknesses. "Stretching" - is feasible unusual actions aimed at the balance of the side.
saver
- Once a week, spend a certain amount of money for themselves (eg, 500-1500 rubles, depending on your budget). Buy what is generally considered to overindulgence.
- Once a week, make a small gift to someone from the family or give away a small sum to charity.
- Throw the 10 old unwanted things.
Embezzler
- Once a week, refrain from buying, which promises pleasure, but is not necessary.
- Open a savings account from which you can not withdraw the money on the card or a simple click of a mouse (ie withdrawal takes some effort). Put on account of a reasonable amount of money and decide how much and how often will be putting on it.
- Calculate the cost of 1 hour of your working time. Include calculations in time for travel to and from work. Subtract from income the cost of meals in the office and office clothes, as well as other costs associated with the work. When buying something, think how many hours you want to work for this thing. Is it worth so much of your working time? Read more about this approach to money - very useful for embezzlers book Vicki Robin and Joe Dominguez (Vicki Robin, Joe Dominguez) «Wallet or your life? You control the money or the money control you».
security Watch
- Take special time of the week when you will allocate their financial flows and to revise the budget. Suppose Friday morning. When you want to cover anxiety and again recalculate everything and make sure that everything important enough, remind yourself that this is, on Friday morning.
- Keep a journal of thanks, to burn at least 3 thanks for the previous day.
- Once a week to do something never done before: charge the usual dish of the new sauce, go to the house a new route, and so on.
Amateur risk
- Remember the 3 ideas that you have a very inspired, but the craze that has not led to the desired result or has resulted in undesirable. Then remember the 3 ideas that led to the desired result. Analyze what could be the difference between first and second?
- Develop attention to detail. Simple games can help to memorize things.
- As is the case with an embezzler, open a savings account, withdrawals from which requires some effort. Put it on a reasonable amount of money and decide how much and how often it will be replenished.
Pofigist (izbegatel)
- Get familiar with one of the financial instruments, which has long been waiting in the wings (and perhaps already expired).
- Make a rough budget for the next month.
- Spread gently bills in your wallet. Or even rewound the purse, if it is not.
Did I move in the direction of balance? Hope so. Anyway, the children became more difficult to divorce me on all sorts of cute trinkets. And I had a small airbag in a secret account.