When a friend asks you for money, are you most likely:

You’re going out with some friends and family, are you thinking:

When it comes to money, what makes you the happiest?

You’re going travelling with your friends, are you...

PAYDAY FRIDAY! What are you doing?

When you’re going shopping...

You’re planning ahead for your week, are you...

What’s Your Financial Personality?
Social Spender
Your main focus when it comes to money, is having a good time but still having something tucked away. You like having fun, but you’re also aware of your bank balance and know when to say no. As the life of the party, sometimes you get FOMO and this is when your bank account could take a hit.
The Good
Social spenders have a good balance of saving and spending. Most people won’t even believe you have as much in the bank as you do! You usually save first before spending which is great!
The Bad
As a social butterfly, your social status is very important to you and sometimes this may be more important than maintaining a good personal finance. Having a good time may end up meaning having a bad time for your bank account.
To stay afloat, you should:
* Automate your savings so you don’t have to think about it
* Say no sometimes, and find alternative ways to have fun such having a girls/guys night in
* Make sure you have an emergency fund
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What’s Your Financial Personality?
Cash splasher
Your main focus is having fun, you can deal with the financial responsibilities later! You love to have a good time without money stopping you and you have a savings account, but it gets depleted every Saturday night. But you earn well, so it’s all good, right?…
The Good
Being a cash splasher isn’t all that bad, actually. Living life to the fullest is something we very much encourage at Save Spend Invest. You know all the cool places to hang out, and where has the best places to eat, drink and party. Everyone loves having you around!
The Bad
Whilst I understand this YOLO lifestyle, this can seriously hurt your bank account and your financial well being in the long run. You probably don’t have much in your savings account, and this can mean you’re not planning enough for your future. You might not even be spending on the things that add the most value to you. What happens if you get fired from your job tomorrow?!
How to stay afloat…
* Automate your savings and put it in an account you don’t see. You won’t even have to think about it!
* Try using the envelope method to curb your spending. Put only the amount you want to spend on each category of your finances into an envelope and use that for the month!
* Rather than stop spending, you should prioritise spending on the things that add the most value to you. Or find alternatives for your spending? For example, can you go shopping in person rather than online?
* Budget. You may not want to, but a budget is simply a way to tell your money where it should go, not the other way around ...
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What’s Your Financial Personality?
Frugal Saver
Your main focus is saving as much money as possible! You love seeing your bank account rise and you don’t mind saying no to social pleasures because fo that. You spend sometimes, but only if you need to and only on what’s important.
The Good
You probably have the most money saved out of everyone else. Your payday routine is to put a good chunk into savings, Netflix and chill. Your savings is most likely automated and you’re saving the highest amount possible, go you!
The Bad
Sorry to break it to you, but there’s more to life than saving. You’re most likely missing out on important events and social gatherings just to save a little more. Your friends can’t trust you to go out or travelling with them because you may kill the vibe by being too cheap and frugal.
How to stay afloat…
* Guess what, it’s OK to spend! Since you’re already saving, feel free to spend on the things that really make you happy! Like that bag you’ve been eyeing…
* Go out, but budget. You don't have to spend the same amount as your other friends, spend up to your maximum limit and have fun!
* Host cheaper events indoors killing two birds with one stone - you’re having your friends over and saving money by not going out
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What’s Your Financial Personality?
Financial Sage
Your main focus when it comes to money is knowing you are covered on all sides. You have a well balanced life of saving, but also spending and having a good time. You probably check your bank balance the way others check Instagram likes.
The Good
Being an overall balanced person is great! You most likely save a good sum, spend reasonably and have started investing to make your money grow. You are aware that money should be saved, spent and invested.
The Bad
For you, not having money in the bank may not be the problem, but perhaps you’re not taking full advantage of what life has got to offer. Spontaneous adventures or things outside of your budget are a BIG FAT NO. This can limit what you do as your life may be all about checks and balances.
How to stay afloat…
* Have some money aside for spontaneous things in your budget
* Don’t be afraid to spend money …
* Maximise your earning potential by finding out how to increase your income
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