The embezzler, the saver or the do not care? What is your money type and how to make friends with him

2024 Author: Malcolm Clapton | [email protected]. Last modified: 2023-12-17 03:44

Family counselor Yana Kataeva will talk about the main monetary personality types, their strengths and weaknesses, and how to balance your financial behavior.

My name is Yana. I’m a squander. No matter how much I earn, little will remain in stock for a hard time. When I travel, I spend everything I have in local currency, literally down to a cent and a penny.

In addition to the embezzler, there is a saver, a do not care, a risk taker and a security guard. This is the name of the monetary personality types in the typology of Scott and Bethany Palmer (Scott Palmer, Bethany Palmer). There are several classifications, but they differ slightly. I use this for work.

Monetary personality types differ, of course, in their attitude to money. Your type does not change throughout your life. The embezzler can become tight-fisted when things are bad. But once the situation gets better, he relaxes again. He cannot become a savings bank. The risk-taker will not turn into a security guard. But knowing our type, we can consciously move towards balance and better understand each other.

The Palmers believe that we have primary and secondary personality types. The additional one manifests itself in special situations, for example, with severe stress.

Ready to find out your type?

Saver

You know how to save money. It gives you pleasure to buy the thing you need at the lowest possible price, and you are ready to spend time looking for the best deal. You feel sincere joy when you manage to save a lot.

Do you like the saying “a penny saves the ruble”. You don't have impulse buying. You avoid loans and debts by all means.

You think a lot about your savings. Always try to spend wisely. It sometimes seems to others that you are too petty.

You are organized, responsible, you can be trusted.

You find it difficult to part with money. Unexpected spending drives you into longing, so you don't know how to have fun. Taking a family vacation with you can be a real challenge for family members if they are not savers.

You are a saver if most of the following statements are true for you:

1. You keep in mind your financial goals all the time: how much to postpone, what budget to fit into.
2. You usually sell unnecessary baby items, not give away.
3. It is difficult for you to spend money on yourself and your pleasures.
4. When you go to a supermarket for batteries, you only leave with batteries.
5. Your receipts for utility bills are in order, all mandatory payments are made on time.
6. If the item is broken or torn, you will make an effort to fix it. If a thing can be repaired, you don't throw it away.
7. If in a store a couple of blocks away milk and eggs are 5 rubles cheaper than in a convenience store, you will walk a couple of blocks.
8. You are often unhappy with the unnecessary things your loved ones spend their money on.

Embezzler

You spend your money with pleasure.

You know how to please yourself. They are capable of grand gestures, love to give gifts to relatives and friends.

The words "budget" and "planning" make you tense.

You spend everything you earn. For example, before you earned 20 thousand a month and spent 20. Then you began to earn 40 thousand and spend 40. Now the income has grown to 60 thousand, but you still can't save.

You often take out loans. Sometimes you make monthly payments on a loan at the last moment. You may be late with your payment. Important note: not all people who have no savings and are in debt are wasteers. There are people whose income does not cover basic needs.

You are ready to pay extra for comfort and convenience. You know how to enjoy "here and now", value pleasant impressions and interesting experience above money.

You are a wasteer if most of the following statements are true for you:

1. You go to the supermarket for batteries and come out with batteries, gummies for children, a bottle of mineral water and a couple of other treats.
2. You are annoyed by people who calculate their spending down to the ruble.
3. The phrases “we live once”, “walk like this” are close to you.
4. You think experience is more important than money when it comes to family vacations.
5. Better to enjoy good coffee in a cozy place than drinking mediocre coffee in a simple cafe for less money.

Take a chance

Tempting opportunities are hard for you to resist. For the sake of bright prospects, you are ready to risk your savings.

Stability is not very attractive to you. You would prefer a life full of ups and downs to an even and measured life.

You are an addicted person. You enjoy trying new things. You change jobs more often than the average person you know.

You are so blinded by the potential of a proposal that you completely forget about being careful.

You easily catch fire with new ideas, and you have a lot of ideas.

You are a risk-taker if most of the following statements are true for you:

1. You love the phrase "who does not take risks, he does not drink champagne," and the saying "Better a tit in the hands than a pie in the sky" has always caused your inner protest.
2. If you were to choose between a stable job with an average income and a job without a stable income, but with the ability to hit a big jackpot, you would choose the latter.
3. In a restaurant of exotic national cuisine, you will choose not what is closest to the usual food, but something new.
4. Meticulousness and attention to detail are not your strengths.
5. You are able to make decisions quickly.

Security Guard

Your deepest fear is to be out of money. You worry if you have enough for everything you need, now and in the future.

You don’t save money because you don’t like to part with it, like savers. But because you need an airbag for restful sleep.

You do not mind spending on pleasure, but only if all basic needs are provided with money and a little more postponed for a rainy day.

You spend a lot of time on your budget, checking accounts, distributing income and expenses. Your energy goes into thinking about what bad things can happen to your finances, what can go wrong.

Between working with a fixed pay and working with a small fixed part and basic interest, you choose the former, although the latter could be more profitable.

You need time to make a big purchase decision. You carefully study suggestions, reviews, product characteristics.

You tend to root out your partner's ideas that you feel are risky.

You always try to be in control of the situation. Your partner may complain that you are trying to control him too.

It is important for you to have a plan for all occasions.

You are a security guardian if most of the following statements are true for you:

1. You don't fall asleep well when your financial situation is at stake.
2. Relatives often tell you: “Don’t worry! Everything will be fine!"
3. You agree that "a bird in the hands is better than a pie in the sky."
4. You prefer to relax in the same proven place in the summer, go to one or two favorite restaurants.
5. Sometimes, buying decisions are painful for you. You have been thinking for a long time and cannot make up your mind.

Blasep (avoidant)

You don't worry too much about money. Money is good. No money - it doesn't matter, there will be.

Money is not your priority. When you make life decisions, you don't consider money first.

You hate to deal with receipts and other financial slips. You breathe a sigh of relief when someone takes on the payment of utilities, taxes, duties, and so on. It’s just torture for you.

You do not keep a budget and have little idea where your money goes. Sorting out this is more of a hassle than a benefit, you think.

If at work you deal with financial reporting, then this is the part of your work that you hate the least, which you put off until the last moment.

Whether you live in a tiny apartment or a large house, you are equally satisfied with your life.

You are not a curmudgeon, you have no control over the partner's expenses. But your carelessness in financial matters can be fraught with family.

You don't care if most of the following statements are true for you:

1. It sometimes happened that when negotiating a job or an order, you forgot to ask about payment.
2. You don't know how much money you have in your wallet right now.
3. Your receipts are in disarray.
4. Going to the tax office is harder for you than most people you know.
5. Between a more interesting job and a more money-rich job, you will choose a more interesting one.

Couldn't find yourself? Reread carefully, remember your behavior in different situations. How do you make decisions? What drives you? What makes you feel real joy and excitement?

Savings are pleased with the money in the account or in the box, situations in which they can save.

The embezzlers are the pleasure of the moment.

Those who like to take risks are tempting opportunities.

Security guards - confidence in the future.

Pofigists - the opportunity to live by their own rules and not bother about money.

How to balance the weaknesses of each type

This is not a classification in which one is perfect and the rest are failures. Interestingly, we are happy to recognize the strengths of our money type, but in the money type of a partner we are more inclined to see weaknesses and get annoyed about them. On the contrary, let's appreciate each other's strengths and stretch together to balance our weaknesses. "Stretching" is a feasible unusual action aimed at balance.

Saver

• Spend a certain amount of money on yourself once a week (for example, 500-1500 rubles, depending on your budget). Buy what you usually think of as pampering.
• Give a small gift to someone close to you or donate a small amount to charity once a week.
• Throw away 10 old unnecessary things.

Embezzler

• Refrain from purchases that are enjoyable but unnecessary once a week.
• Open a savings account from which you cannot withdraw money by card or with a simple mouse click (that is, withdrawing money requires some effort). Deposit an acceptable amount of money into the account and decide how much and how often you will deposit on it.
• Calculate the cost of 1 hour of your working time. Include travel time to and from work in the calculations. Subtract the cost of office lunches and office clothes, and other work-related expenses from income. When buying something, consider how many hours of work you pay for this item. Is it worth that much of your working time? For more on this approach to money, see Vicki Robin and Joe Dominguez's very useful book for embezzlers, Wallet or Life? You control money or money controls you."

Security Guard

• Set aside a special time during the week when you will allocate your cash flows and revise your budget. Let's say it's Friday morning. When anxiety grips you and you want to count everything again and make sure there is enough for everything important, remind yourself that this is Friday morning.
• Keep a gratitude diary, write down at least 3 thanks for the past day.
• Do something once a week that you have never done before: season a familiar dish with a new sauce, take a new route home, and so on.

Take a chance

• Remember 3 ideas that inspired you a lot, but the hobby for which did not lead to the desired result or led to an undesirable one. Then remember the 3 ideas that led to the desired result. Analyze what could be the difference between the first and the second?
• Develop attention to detail. Simple games for memorizing objects will help.
• As with the embezzler, open a savings account and it takes some effort to withdraw money. Put an acceptable amount of money on it and decide how much and how often you will replenish it.

Blasep (avoidant)

• Deal with one of the financial documents that is waiting in the wings for a long time (or maybe already expired).
• Make a rough budget for the next month.
• Straighten the bills neatly in your wallet. Or even get a wallet if you don't have one.

Did I manage to shift towards balance? Hope so. In any case, it became more difficult for the children to breed me for all sorts of cute trinkets. And I got a little airbag on my secret account.