Are you a saver or spender?

INTRODUCTION

When it comes to money, people can be classified as savers or

all have different finanǦ cial personalities, some some of usolifkuestoliskaevteo. Wspheynids,thanisdǫ mnadnahgoewmdenoteǫs it affect our money emwoitliloandaml sitptehnadt ecr.anf beama bfieteolfinang dpaoiwr onf,sthoaetstluoobkoef“iucaellcyraepapmeaalindg wtootrky.aWgahinilset thaims haacbtitv,etlhyetsraytiinsgfatcoǦ tihoantsipseonfdteinnghgiavreds mtoeraetseimstp. Gtaitvioen mwhyepnersfonuanldhoaubtittsh, atwoatshseurrperoispelde sgpetenthdeinsgamwehesnattihsfeayctsiaovne mgeotnferyoǨm Youhremainsdwsetrdiisctsaitmesphleoǣw yionudsfeetl.

What makes savers and spenders different? sapbeonudt imt. oney, and thus how you

certain study details that spendǦ teorsatnenedntdo,’twrehaitlme soanveeyrasscaoǮnmseidanesr wmorndesy, sapseǮannd ernsdseine aitnsdelwf.’ilnl uottilhiseer mtgaocoahnlesed,ywtaohstihlaeepisramtvheowrnsaeayyratenomdasocehreietahvteeǦ gpoasls.ession of money as the true to knnswowerytohuesresspiemnpdlȀes“auvessttiyolnes. befhoorneeasntsawnderdionng’.t thainkek tnootleonogf uyopuartatnheswenerds. so you can add them

Qt’UsEpSaTyIdOaNy.1Your salary has Œust cboeuent.dWephoast’istetdheinfitrostytohuorugahctǦ

reveal that money is timeatshlreealeadatitdoinbsgrhesiaopku, uarpcnesdoocfrasndtiroveofstrsecnienǦ.

TUDIES

So what money topics should we btdiriosencasuchsispsasu,tcahdnicdfofehnroveewnrtscasttniaowgnesesǫtoacf trfeulalyǦ

alk about who will pay for wt’hsaptrobably best to start with the ◗ Do:

W ESspenders. Some of us like to save, others like to spend. The interesting thing about money that comes to mindǫ

You check your balance and feel uhasupaplyatnhdat“ituliocokklys chaelacluthlaieter thhoawn

A.

leornœgeirto’lltboetbheaftonruemyobuear.dd anothǦ

B. You go shopping and start planǦ ning your nešt vacation.

QYoUuE’rSeTgIOoiNng2out to dinner with forfiǣends. Your order will consist ounstthaemraiignhctosuidrseeo, wf tihtheamneenyue

A. simple stuff, like working out an arrangement of who will pay for wpheahrlafsǦtohonanladfg,artaeeske.iWnghtetouthrgenersni,te’osrrogouoisnlyge foot the bill, make sure you see egyeet itnotoeyse“.uOatbhbelrewsiesaer, lyoounm. igihdtǦ den ešpectations will only cause confusion and potentially tiffs.

isten and observe n the early stages of the relationǦ

Do:

◗ habits and financial behaviours is that they are dependent on one’s individual psychology, and on twhheilcehftsohvoewrssttoheapt rlaicte.rYaotuhopmacek. ehšpe emnossivt euȌntuhsiunaglsȋ.aYnodutrhferriefnodres

B.

wchiollibcesiǨmpressed with your food Which of these statements are you

QUESTION 3

most likely to agree withǫ mYoiguhnt ebveearrokunnodwthȂeacroarinneyr danady

A.

money is a good buffer against meoys,tyeomuerognelnycliievse. once Ȃ let’s

B.

ship, you can learn plenty about your other half’s financial life wseirtvheotuhteiarslkifiensgty“leupersetifeornesn.cOebs.Ǧ

re they bougie, frugal, or someǦ lwyhtearlekianbboeutwt teheeniǫr doetbhteǫyOorpaerneǦ tmhoeynemyosrietucalotisoentǫedWahbaotu’st their idea of a fun dateǫ ow do they like to spend their free time and

FRUGAL

historical and cultural factors, according to Oxford psychologist. Take our brief quiz to find out if enŒoy todayǢ tomorrow will look after itself. onu’st lhoowk nmowuc, bhumt iof naesykiysoiuntyooteulrl

QUESTION 4

waciclloyuonut ratrtehsipsovnesrey bmeiǫnute, what

A. Ylaosut’rce nvte.ry likely to know to the

ey, pay day was a while ago and you have no clue.

B. Youfu’rnedlos.oWkihnagtt’sotihnevebsitgsfoamctoeretšhtraat

QUESTION 5 cdliusecryeotuioinaorny wfuhnadt’sǫimhpiosrtwaniltl to them, and how to best breach future money topics. intimSalotewly get more financially f the two of you become an ešcluǦ

Do: smivoerepasierr, yi ous’llawboaunt yto ugertmaolinttelye talks. Get financially naked, and ainryosutryuogugrlecosnycoeurnms iagnhdtshavre yaboouu’ltl ywoaunrtftinoasnhcaerse. Onfucmobuersres,.

◗ you’re a saver or spender. For comments and feedback contact

pwriollduhcetlspǫ you decide between 7685 7944.

A. goaoladnrceetuȂrnosf, bcuotusresceuyriotuy owfathnet caipghitarleitsutrhnes pȂrwimheatc’osntchernp.oint of investing if you’re not making thaekebiag bhuigchkse,rrirgihstkǨ Ytoue’da rnatthheer

B.

higher return.

YourͷͲfaͲvͲoͲuͲritine uhinscwleille.aWvehsatyoduo

QUESTION 6 yoauy odfofǫyour loans and save the Greosot.n vacation it’s been on your

A.

Hbouwckdeidtlyisotufodroa? while now.

B.

4f oyroumaonrsewoeprteidonfo1uranosrwmeorrse: “nauteusrtaiol snasvweri.tYhou se, ethkeonutydoiuscaoruenat

You’re a natural-born saver! deals, work according to a budget, and set financial goals that you are “uite likely achieve. eep in mind, lheocwtiebvle’rǢ, itthiastmeorneely tihsentootoal ǮtchoaltǦ ba lleowlifse.ySotuotpowlivaelkainfgultlhaantdfienneŒoliynaeǦ between Ǯthrifty’ and Ǯstingy’Ǩ

4 or more option 2 answers: tiofnyos uwainthswesr,eydofouuhraovremporoeb“aubelsyǦ

There’s a spender born every minute! anreevearlwmaeytsapbauydignegt finoryopueroplifle. aYnodu uyoputrhefrtiaebn.dYsocuoluiknet othneyfoinuettohpinicgks emonfultiicfreheastnahdleasyreycledovosemtr.ywYmouorrnsytphae,banondudtythhooeuwnr someǨ ake a breath, step back, aprenuwdttairnergdmianesmgidbteoecrsaatshvhaetffoiotrriesgmofeatrelgsnew“nhuciietles satnedpsiǣnlvikeestammenontst.hSlytabrutdwgeitth. baby ryoǫwWmhuact’hsdyeobutrdnoeytowuoeratchh, caanrdǦ how much do you earnǫ

When wrey’re trying to attract one another, we all want to show our

◗ Don’t: best side and keep our baggage out aobf soiught ty. oWuhrildeaytoeu’smcirgehdtibt es courieouosr debt load, they might get touchy ayobuouwtothueldmn’attateskr. aSofriifeint’ds ,syoomuemthiginhgt twhaenirtmtoohnoeyldpoafsftofonrpthoekitnimg earboeuingd.

Your mindset dictates how you about money, and thus how you spend it.