Ever notice how finances can affect you emotionally? I’ve known people who hate the idea of spending their money altogether and some people who don’t know how to make a budget at all.
What if there was a scale that you could use to classify your financial personality?
Yes, I can see it now. Instead of making up a boring answer when your financial planner asks how things are going, you can simply select your personality from the chart and they’ll know exactly what to do to help.
Unrealistic? Maybe so, but you might relate to a few of these:
The Spending Freeze
You’re the type of person who tries to avoid spending at all costs. You like to watch your savings grow and the thought of spending $7 on lunch makes you cringe. Your excuse when asked to go to lunch? “Sorry, we’re on a spending freeze this month.” Works every time.
The Tight Wad
Are prices the first thing you look at on the menu at a restaurant? Will you wait five minutes to cross the busiest intersection in town just to save $0.03 on a gallon of gas? You might be a tight wad. No, it’s not always bad thing, but your friends might call you names.
The Penny Pincher
You have a book of coupons and you’re not afraid to use it. Does the idea of saving $0.50 on a tube of toothpaste keep you up at night? Do you want to scream when you realize that a coupon for Kraft macaroni and cheese expired? It’s ok, go ahead and say it: My name is (insert name) and I’m a penny pincher.
The Envelope Guy
You’ve listened to one too many episodes of Dave Ramsey and you keep your budget envelopes in your fireproof safe. Sure, your family thinks you’re weird, but you’ll have the last laugh at Christmas when you re-gift your copy of the Total Money Makeover.
The Unsure Spender
Budgets just aren’t you thing and you kind of like winging it every month. You think you have a good memory on what you spent in groceries last week, but you’re just not sure. “It’ll all work out in the end” is your mantra.
The Credit Card King
“I do it for the points.”
Sure you do. What your friends really don’t know is that you buy too much stuff and don’t have the cash to cover it. You call yourself the credit king, when really you’re more like a jester.
The Nonchalant Swiper
Debit or credit? It doesn’t matter to you. As long as there’s plastic of some sort, you’ll be swiping it. The last time you used cash was to pay the late fee on your overdue VHS in 1994. Besides, you can get 15% off if you sign up for the store rewards. Booyah.
The Big Spender
If it’s not the biggest, newest, most expensive model, you don’t even want to consider it. The very thought of having anything but the ‘best’ is downright insulting. Forget about layaway, put it on the VISA.
If you had to select from these personalities, what would you pick? Don’t see one that fits you? Create your own and share it in the comments!