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Does your personality affect your spending?

July 15th, 2008 at 12:31 pm

The majority of people that have problems in the areas of debt and overspending would never consider that part of their problem may be their personality style. That's right, the way they were made.

Are you the type of person that loves to have "FUN" all the time, you satisfy your "wants" first and think of the consequences later? If so, in the D-I-S-C personality profiles you would be considered an "I." "I's" are inspiring, influencers, and outgoing. They love to be liked, live a certain image, and having "FUN" is their priority.

Unfortunately, if they are not careful they can find themselves deeply in debt. You see, they want to impress others, keep up their image; have fun whether they can afford it or not.

My personality is a "D-C." I'm direct, demanding, domineering, cautious, critical, and competitive. My personality lines up with the way I spend my money.

Do you know your personality style? How has your personality affected your spending?

Posted in Personal Finance | 5 Comments »

5 Responses to “Does your personality affect your spending?”

  1. momcents Says:
    July 15th, 2008 at 05:23 pm 1216142582
    1216142582

    Just curious - what test are you basing your letters on? Myers Briggs?

  2. sharmanl Says:
    July 15th, 2008 at 07:22 pm 1216149743
    1216149743

    I use D-I-S-C personality profiles. You can find out more about it by going to www.personalityinsights.com. I'm a certified human behavior consultant in D-I-S-C. I've used Myers Briggs when I was in corporate America, but D-I-S-C is so simply, accurate, and easy.

  3. gruntina Says:
    July 15th, 2008 at 07:32 pm 1216150353
    1216150353

    Sometimes a very bad life experience will change the way anyone may think about "fun".

    For me it took "rock bottom" to change my mindset and ways towards my finances and habits.

    I am more serious and not carefree as I used to be.

  4. Broken Arrow Says:
    July 16th, 2008 at 01:15 am 1216170940
    1216170940

    That's a very good point. I do believe that my personality plays an important role in the way I manage my personal finances, although I believe it's only one aspect of many.

    I used to be a spender because I did not see the value of spending. I didn't start saving until I made that realization.

    Once that realization was made, I also had to change my habits. I think regardless of personality, I think everyone still experiences and prefers the thrill of spending. Kind of like candy. So, it was a matter of learning to cope with it in our own way.

    And throughout this entire process, my personality never changed per se. For me, it was more of a shift in perspective, and finding ways to utilize my personality in a way that encouraged saving rather than spending....

  5. BillE Says:
    August 4th, 2008 at 02:05 pm 1217858746
    1217858746

    I suspect people might start profiling their prospective spouses based on this spending profile Smile
    I would say, though, that my personal spending habits depend on what I'm shopping for. I won't go overboard on things that aren't exciting to me ( washing machines ), but I love cars, and might have a different profile there.

    ==
    BillE
    Text is How to save money and Link is http://billeater.com
    How to save money

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