Psychology of money and our habits

Introduction

Financial behavior is rarely built on logic. We often think that we make reasonable decisions based on the calculation, but in fact, behind our expenses, accumulations and attitude to money are beliefs that have developed long before conscious adulthood. These internal attitudes are formed in childhood, transmitted from the family, imposed by society and sometimes remain insane for years.

In the author's blog Bantrumefr We are talking about money not only as a resource, but as a mirror that reflects our fears, aspirations, a sense of own value and internal scenarios. In this article we will figure out how attitudes affect financial behavior, how to recognize them and what to do to move from templates to a conscious choice.

The main part

What are money installations

Installation is an internal belief that has formed on the basis of experience, environment, culture and education. This is not always a conscious thought. Most often - this is the background on which we make decisions without even asking ourselves unnecessary questions.

Examples of common attitudes:

• Money comes only with hard work
• Many earn a lot is a shame or dangerous
• Rich - dishonest people
• If you spend on yourself, this is selfishness
• I won’t accumulate anyway - it is better to spend now

These beliefs can interfere with the construction of a stable financial life, limit the possibilities and form models of behavior that do not meet the real needs and desires of a person.

Where do financial scenarios come from

Most of our money attitudes are formed in childhood. We unconsciously copy the behavior of parents, perceive their fears, beliefs and reactions as a norm. Even if the family did not talk about money out loud, the children still absorb a lot: quarrels due to expenses, a sense of deficit, expectation from holidays, shame for requests for new things, or, conversely, an abundance that was not accompanied by warmth and attention.

In adolescence, the influence of the environment is added: comparison with classmates, the desire to correspond, the first earnings, the first expenses. The templates are laid here: to be afraid, avoid, ignore, demonstrate or compete through money.

In adulthood, these scenarios are turned on automatically. A person can earn well, but still feel the blame for buying something pleasant. Or, conversely, with any receipt of money to spend it right away, because the installation is sitting inside: "The money is not delayed for a long time."

How installations are manifested in behavior

On the pages Bantrumefr We often meet the stories of people who, it would seem, do everything right, but again and again fall into the same financial situations. Here's how installations can affect behavior:

1. Avoiding the financial topic
A person does not want to keep records, does not look at personal expenses, does not plan, because inside - fear, shame or stress. It is better not to know what to face reality.

2. Chronic depreciation
When a person believes that he does not deserve more. It is difficult for him to ask for an increase, to take a decent payment for his work, to allow himself to rest, care, pleasure.

3. The need to prove
On the contrary, another installation can make you spend in excess of opportunities to look successful. Purchases for the sake of status, life “for show” often hide internal uncertainty.

4. Transferring responsibility
When money is always something external: “not fate”, “crisis”, “bosses”, “it will not work anyway.” This position moves a person from managing his life.

5. Fear of loss
Even with good income, a person cannot relax, lives in anxiety, controls every penny, does not enjoy life.

How to rewrite your attitudes

1. To realize
The first step is to honestly ask yourself the question: "What do I think about money?" Try to write out all the beliefs that come to mind. Track which of them are repeated, which sounds familiar from childhood.

2. Find the source
Think where it came from. Who told you that? How did this manifest in the family? Awareness of the source helps to separate their views from the borrowed.

3. To ask yourself the question: "Is this true?"
Not all the beliefs that we have learned work for us. Ask yourself: “I really believe that money is evil? Or they told me that, and I just did not doubt it? " Start doubt - this is the path to freedom.

4. Form new installations
Create for yourself the phrases that support. Not from the series "I am a millionaire", but real, conscious statements:

• I can take care of my money
• I worthy of paying my work
• I can spend consciously and joyfully
• Money comes to me easily and benefit

5. Practice in reality
Without the installation actions do not change. If you are afraid to count the costs, start from one day. If you feel the blame for the purchase, buy yourself something small and consciously enjoy it. Gradual steps give confidence.

Conclusion

Financial behavior is not only calculations. This is a reflection of our internal beliefs, experience, fears and aspirations. The change begins with awareness. When you understand why you are doing one way or another, freedom of choice appears.

On the blog Bantrumefr We believe that the path to financial confidence does not begin with external success, but with inner honesty. Money is not an enemy or a goal. This is a tool that can be a continuation of your values. And the clearer you see them, the easier it is to build relationships with money - calm, mature and free.