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What's your money personality type? [Copy link] 中文

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Post time 2016-2-22 16:26:01 |Display all floors
The type: Selfless spender

Characteristics: If there’s nothing you enjoy more than buying people expensive treats or picking up the bill for lunch, you could be a generous spender. While spending in this way is an expression of love, psychologists believe that it can also be related to low self-esteem. This type of spending puts people at higher risk of financial problems.

‘I don’t earn megabucks but  I like to splurge on my nearest and dearest,’ says 40-year-old graphic designer Maria, from Leeds. ‘Consequently, birthdays, Christmases, anniversaries and weddings all come around with a nagging sense of foreboding about their potential expense. Keeping little in reserve, I put unexpected things I can’t afford on credit cards and then never really pay off the total.’ By her own admission, it would take just one significant monetary outlay to push her into the red.

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Post time 2016-2-22 16:26:18 |Display all floors
The type: Spontaneous spender

Characteristics: Are  you someone who sees something they like and then just buys it? Or books a weekend away in Paris on a whim? Experts believe that using money as a source of freedom can also be problematic, as it can stop people saving for a rainy day and mask emotional unhappiness.

‘If I see something I like, I go for  it,’ says Liane, a 37-year-old Londoner who works in finance. ‘Whether that’s a nice bunch of flowers  or a Dolce dress. I work hard, don’t have any dependents, and I feel  I deserve it. Many would deem what I buy as a waste. I know my father thinks  my spending is ridiculous.’

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Post time 2016-2-22 16:26:34 |Display all floors
The type: Secure saver

Characteristics: Experts believe that while it is important to have savings, this group can end up denying themselves too much in the present with unnecessarily tight budgeting.

‘Finances are a feminist issue,’ says my accountant friend Julia, 37, from Eastbourne, who is a not only a typical number cruncher but also a prime example of a secure saver.  This group of people are careful to put money away for a rainy day, even when there’s nothing to put away for. Julia  is undeterred. ‘Be in control of your finances, and you’re in proper control  of your life.’

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Post time 2016-2-22 16:26:50 |Display all floors
The type: Status spender

Characteristics: Do you enjoy getting your hands on that new thing that everybody wants? If impressing people with possessions is paramount,  perhaps you’re a status spender. Experts warn that status spending can cause personal relationships to suffer.

‘I do like having the most up-to-date pieces,’ says 42-year-old Caroline.  ‘I just bought a new Mulberry bag as  my other one – the Cara Delevingne studded backpack – was more  than a year old. I hate to  admit that I get a kick out  of people admiring my things, but I do.’

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Post time 2016-2-22 16:27:15 |Display all floors
The type: Planned spender

Characteristics: If you spend with a series of targeted goals for the future in mind, you could fit the mould of a planned spender. Perhaps you’re putting money away to take a course to help further your career, or ploughing lots into your pension. A word of warning from the experts, however: be careful not to put off doing everything you enjoy in the present in favour of the future.

‘I’m always putting money away for new equipment,’ says 38-year-old Louisa, a photographer from London.  ‘It’s almost a continuous process.’

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