Spender or a saver, get to know your financial personality
- Set realistic goals
- Create a budget that suits your lifestyle
- Avoid financial stress
- Build better habits over time
The Spender
Spenders often enjoy the present moment. They might:
- Treat themselves regularly
- Prefer experiences over savings
- Struggle to stick to a budget
- Feel a bit anxious when thinking about long-term finances
If this sounds like you, don’t worry, spending isn’t a bad thing! It’s all about balance. A good financial plan can help you enjoy life now and prepare for the future.
The Saver
Savers tend to be more future-focused. They might:
- Track every dollar
- Feel proud of their growing savings
- Avoid unnecessary purchases
- Sometimes miss out on enjoying their money
If you’re a saver, that’s great, but remember, money is also a tool for living well. It’s okay to spend on things that bring you joy or create lasting memories.
Finding the Balance
Some people are a mix of both. The key is to:
- Understand your tendencies
- Set clear financial goals
- Work with a financial adviser to create a plan that reflects your values
At RIVAL Wealth, we help clients of all types, spenders, savers, and everyone in between, build financial strategies that support their lifestyle and long-term goals. If you’re Curious about your money habits, head to the Useful Documents section and try our Spending Quiz to discover your results!
This information is of a general nature and is not intended as personalised financial advice. RIVAL Wealth is a Financial Advice Provider (FAP) licenced by the Financial Markets Authority to provide financial advice. Our disclosure document is located at rivalwealth.co.nz or a written copy is available on request
