When people think spending problems, they generally think overspending.
Chicks who can’t stop buying shoes.
Guys who can’t stop gamblin’ away at the slots.
You might think you’re safe from money problems if you don’t fall prey to this textbook financial beast.
But are you safe? Really?
How About Underspending?
- Do you avoid spending money out of fear (particularly if you have a significant amount saved)?
- Do you feel guilty when you spend money?
- Do you do without necessities (dental care) or things that would make your life more enjoyable (puppies) because you don’t want to spend the money?
- Is there never enough money in your bank account to make you feel secure?
Are You a Financial Enabler?
- Do you buy things for people or give them money even though you can’t afford it?
- Do you feel like others take advantage of your generosity?
- Do you have a hard time saying no?
Is Your Relationship Wrought With Lies and Mistrust?!?!
Maybe I’m being a little overdramatic.
- Do you have a past relationship that left you financially poorer?
- Do you hide purchases or financial information from your partner?
- Do you find it difficult to let your partner have any control over your accounts?
All of you webmd-ers and hypochondriacs can just stop self-diagnosing right now.
The most important element that these problems have in common is that they are negative emotional responses.
In order to have a perfectly healthy set of financial books, your behavior towards money must be healthy as well.