Have you ever wondered what kind of saver you are? You probably have, but you’re not sure which one you are. On many occasions, it has helped us a lot to resort to a personal loan to be able to face unexpected expenses that usually accompany us in life at any time.
However, today, to make it easier for you to find the version of saver that you are or can be, we are going to show you the main types of savers . Once you know them, it will surely be very easy for you to find the version that you are.
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1. Stingy saver
They usually define themselves as the most stingy, that is, they spend only the basics to avoid having to spend money.
- He is a guy who, as far as possible, avoids unnecessary expenses , including whims.
- They are usually people who keep all their accounts up to date to control their expenses.
- They usually have a large financial cushion for possible unforeseen expenses.
2. Compulsive
These are compulsive and somewhat obsessed with saving. These types of people tend to have emotional problems when they do not have money to increase the account balance each month.
- These savers do not save for a specific purpose, but rather save because they are compulsive. The goal of this saving is to make the account grow, but without a clear objective.
- Savings funds can sometimes be very large, but as far as possible avoid touching them to avoid having a small savings deficit.
- Analyzing their accounts, it is striking that income is the main protagonist.
3. Balanced
These are the economic profiles that are clear about what their objectives are and consequently seek to find a balance between income and expenses with a good savings plan . These are profiles that are usually recommended because they are in the middle. That is, they are neither wasteful nor compulsive savers.
- Balanced savers are known for always keeping their accounts up to date. They are clear about what their income and expenses are. This allows them to have a balance and balance the accounts at the end of the month.
- The main objective is to prevent cash outflows from exceeding income in order to avoid a deficit in a given month. If this occurs, an attempt will be made to cover it the following month.
- If the money received is greater than the amount spent, then this profile knows that they can treat themselves to something. They usually opt for a vacation or to buy something.
4. Organized
This profile is usually defined as a person who is clear that financial health is important and also needs to be looked after with discipline.
- He has clear life and savings goals, both short, medium and long term.
- Once you have set your goals, try to follow the steps set out to easily exceed them.
- Considering your income, you are clear about the percentage of savings you should make each month to easily achieve your goal.
5. Addicted to deals
He is a saver who tries to save, but without giving up on acquiring the goods and products he wants for his day to day life. That is, he looks for savings through promotions such as discount coupons .
- This is a profile that is up to date with offers and promotions in order to take advantage of them when they are really interesting. This means that they study the market thoroughly to find the best options.
- The problem is that sometimes this profile can buy things on impulse and then not need them. This leads to excessive spending of money that could have been saved.
- Being addicted to offers means knowing how prices are evolving and that prevents you from falling for false offers that seek the customer’s attention.
6. Spendthrift
In a way, it is the person who really does not tend to save. That is, the money they have, they spend it on whims. Some experts say that they are the people who hate having money in their pockets.
- This type of saver is often forced to spend the money they have.
- The savings level is usually very low in this profile.
- Since the level of savings is low, when an unexpected expense arises, the person opts for the alternative of taking out a personal loan to meet that expense. Even in these types of circumstances, the person does not usually change his or her mentality and tends to waste the money that comes in month after month.
Do you already know what type of saver you are?
Once you’ve learned about the different types of savers, you’ve probably been able to identify with one or the other. There’s no one option that’s better than another, the important thing is that you save some money and that you feel good about the type of saver you are. If you don’t feel comfortable, you can always try to take steps to change your mindset and become another type of saver .
