Money Personalities...What's Yours?

Let me begin by saying that no money personality is wrong, or bad. Our relationship with money comes mostly from how we were raised, our sub-conscious observation, and our different personalities. So, really, there is no right or wrong personality whatsoever. So, moving on to money personalities, there are mainly four of them: the spender, the saver, the risk averse and the security seeker.

The spender
He generally likes spending. He is a shopper, and mainly will buy things not for their use, but for the thrill of buying. This is the kind of friend who will tell you that you are just going window shopping but they will have blown their whole month budget there. Okay, i may be exaggerating, but you know them. The spender is great when it comes to shopping for quality things, but they do not realize what is quality and what is not at times. If you are a spender, as yourself when buying items if it will be worthy to you a few months later. If not, move on to a better and more quality item because, let's be honest..you cannot really tell a spender not to spend.

The Saver
They are also known as the Hoarder. These are the queens and kings of cheap, even when they can clearly afford more. They get their thrill from saving up, and seeing how much money they have in their bank accounts. They will squeeze every penny out of their daily lives just to save. They will go hungry for that...and i am not kidding. These are the people who do not see the relevance of giving gifts to people, or just going out and treating their friends to a spa day. They can be a buzz kill, and this can actually weaken their relationships to people. As much as it is a great idea to save up, some things are more important than money, like creating memories with your loved ones. Savers need to loosen up a bit.

The Risk Taker
These ones get a thrill from the chase. They are super excited to get aboard on an expedition to create wealth, without really caring about the details underlying the process. Pitching them a good idea is very easy, since it does not take much to convince them to invest. They also easily get bored getting stuck at one business deal for long. This can be a good quality since  they act really fast and make decisions timely, but it has a down side to it. Risk takers can get easily conned or fall prey to really bad investment deals. They just have to take a moment and pay keen attention to important details.

The Security Seeker
This particular one loves researching about everything and anything. This type will mark a particular price, then go on the internet or all over town looking for a better deal. They will probably run background checks on the people selling them land or a particular bank they are planning on opening an account with. They are good people to have when bargaining for a product. However, they can be stuck in a research rut, where they are always looking for a better deal somewhere, or waiting for that perfect time to invest. Opportunities easily pass them buy without them realizing it, and they come to regret that later. They probably need to team up with the risk taker to make the deals of the century. However, it is really good to have a security seeker amongst your friends because they are extremely knowledgeable in certain money fields.

There is one more particular personality that i have really never come across, but is probably out there.

The avoider

The avoider has no emotional connection to money. They will not care about material things. To them, relationships will take the place of money. They basically do not care how the future will play out for them or their kids. As much as we agree than relationships with people are extremely important, money is also very essential. With it, we can live a comfortable life and have the next generation all sorted out. The avoider needs to know the basics about money, how to invest it, how to minimize risk while maximizing returns and all that.

Hope you have a basic idea about money personalities. If you want an assessment test, you can take one here!

In a blur

Twenties..the time you are supposed to be an adult but you do not feel like that yet, or you are treated like a child but you do not feel like that either. I don’t even remotely know what I am doing. I just learnt a fun fact. Neither do most adults. They have no idea whether their methodology is going to work but most of the times, they are just lucky. Problem is, I do not want to spend the rest of my life trying my luck out and especially on life. So I got to thinking. Things that I know for a fact that I am good at. Things that I know I can do with ease and that I will enjoy; both from the past and the present. I read somewhere that if you examine your past…and really examine it, you may find the key to your future. 

There is only one problem with that. I feel like I just woke up. Honestly, I feel like there was this other person previously living my life and one day, it just got transferred to my custody. All I remember from my childhood is that I mainly spent my time with my nose buried in a book. Oh, if only life was that easy. If only it had a clear set of rules or goals, with clear instructions on how to reach them, my life I think would be much simpler. So, with the ‘knowledge’ I acquired reading romancing novels, or basically scheming through them, I discovered writing I guess. Well, in a way. And, I also have realized that I have a knack for making people envision what I see in my mind. Really make them believe in something. Combine that with the ease that I talk to people (when am not In one of those introvert modes)..i think I can be a good counselor, or psychologist, or manager...One day my darlings...one day.

So, one thing that has really stuck at me from scheming all these articles, blogs, books and journals is that no matter where you are, you have to do something .It does not really matter what, but you have got to start somewhere. You cannot win at life by strategizing it in your head with no real thing going on. Start from where you are and start unraveling that long barn of yarn called life. Those are today’s thoughts.