I spend a lot – what should I do?

Photo illustration: pixabay.com

There is excessive spending of money, for whom it means increased good humor, almost a feeling of euphoria, although it later easily becomes a source of stress and guilt… If we are also spending types, we decide this year to recover from it.

Spraying money on things that are often unnecessary, buying (on the net) even during the relative closure caused by the epidemic, living without a job, being on the bank account. It is unfortunate to belong to the type of spending personality with such characteristics, but we can change it with certain methods and some willpower.

“Leave it alone and then I’ll settle the bill…” If the occasion brings it that way and we turn around in a coffee shop, a restaurant, those are our most common words, because usually we invite others. After all, spending money is one of our favorite activities anyway… For example, in some stores and boutiques we were regular customers before the “internet” “explosion”, and now, keeping our excessive shopping habit, we prefer to click frequently on the computer to the goods in the basket.

It’s also common to feel a pleasant shiver when shopping, whether it’s “live” in the store or with a click on the internet, when we pay at the checkout or validate the payment online. In this way, the temptation is constant and almost greater than ever, including the effects of well-targeted, consumption-promoting, lustful online ads. We buy, even if it means keeping the new stuff in the closet the most because we didn’t really need them. If we know all of this for ourselves, we are undoubtedly real “overspenders” and are likely to live in ways beyond our means. But for what reasons can all this be traced, and how can it be helped?

Photo: gettyimages.com

It is a matter of upbringing

Overspending is not necessarily our fault! It all depends on our relationship to money, and this is greatly influenced by what we have seen at home about dealing with material things. Two common examples are: Did our parents grab the money too much, maybe they were stingy? If so, it is possible that as an adult we spend a lot because of this, as we would have agreed to the opposite. Was money a taboo subject in our family? If so, it’s no wonder we have a hard time dealing with the material ones by our adulthood.

Error in self-assessment

Let’s reassure ourselves: being a spending person isn’t always a negative trait. For it is a proof of a kind of desire for life, and its joyous side cannot be neglected either. It’s good to spend our money while – let’s think about it – we even support the economy! (While the other side of the coin, being stingy, accumulating a surplus, it also means a lack of financial balance.)

However, we need to be especially careful when we spend a lot in the difficult moments of life, e.g. after a breakup or in a relationship crisis. In such cases, endless shopping, over-spending can be compensation, and an attempt to restore our self-esteem (using our credit card). All of this can lead to us finally pouring money into a bottomless well, living the present moment intensively without thinking about tomorrow. Thus, it is a great challenge for any overspender to manage to maintain financial security while living a full life.

QUICK TEST

How is your relationship to money?

You have an ostrich policy if
– You don’t really know how much money you currently have in your bank account.
– Your financial situation does not usually cause you stress, unless you are in financial trouble at the same time.

He lives in a parallel world where the concept of money remains very abstract

– You don’t usually deal with finances unless you have to.
– Slightly similar to a child who still needs his parents to manage his pocket money…

You are more of a “spending cricket” if:

– For example, he likes to pay for almost everyone when the opportunity brings it.
– Unable to save, he often runs out of his bank account.

Carpe diem – seize the day! This is his creed… If you can spend today, reassure him because he doesn’t know what tomorrow will bring. After all, he is looking for immediate joy and euphoria, which he finds in shopping and spending money.

You are more of a “collecting ant” if:

“You’ll think twice before you buy something bigger.”
– When shopping, it is difficult to get pleasure for yourself, you prefer to buy it for your relatives, e.g. for your children what they need.

Your money protects you from a variety of fears, including fear of deprivation. It would save you money rather than provide you with something to spend money on (such as an expensive thing or a vacation abroad) that you deserve. For you, “in case” is more important than immediate pleasure.


Source: Patika Magazin Online by www.patikamagazin.hu.

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