Compulsive Spenders
Are you a compulsive spender,or do you hold on to your money as long as possible?Are you a bargain hunter?Would you rather use charge accounts than pay cash?Your answer to those questions will reflect your personality.According to psychologists,our individual money habits not only show our beliefs and values,but can also develop from past problems.
Experts in psychology believe that for many people,money is an important symbol of strength and influence.Husbands who complain about their wives’spending habits may be afraid that they are loosing power in their marriage.Wives,on the other hand,may waste huge amounts of money because they are angry with their husbands.In addition,many people consider money a symbol of love.They spend it on their families and friends to express love,or they buy themselves expensive presents because they need love.
People can be addicted to different things,for example,alcohol,drugs,certain foods,or even television.They are compulsive in their addictions,that is,they must a satisfy these needs to feel comfortable.In the same way,according to psychologists,compulsive spenders must spend more money.For those who buy on credit,further more,charge accounts are even more exciting than money:in other words,these people feel that with credit they can do anything.Their pleasure at spending enormous amounts is actually greater than the pleasure they get from the things they buy.
There is even a special psychology of bargain hunting.To save money,of course,most people look for sales,low prices,and discounts.Compulsive bargain hunters,however,often buy things that they don’t need just because they are cheap.They want to believe that they are helping their budget,but they are really playing an exciting game:when they can buy something for less than other people,they are winning.
It is not only scientists,of course,who understand the psychology of spending habits,but also business people.Stores,companies,and advertisers use psychology to increase business.They consider people’s need for love,power or influence,as well as their values,beliefs and opinions,in their advertising and sales methods.
Psychologists often use a method called“behavior therapy”to help individuals solve their personality problems.In the same way,they can help people who feel that they have problems with money.They give them“assignments.”If a person buys something in every store that he enters,for instance,a therapist might teach him self-discipline in this way.On the first of his therapy,he must go into a store,for five minutes,and then leave.On the second day,he should stay for ten minutes and try something on.On the third day he stays for fifteen minutes,asks the sales clerk a question,but does not buy anything.Soon he will learn that nothing bad will happen to him if he doesn’s buy anything,and he can solve the problem of his compulsive buying.
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强迫性挥霍者
你是一个强迫性挥霍者，还是你坚持你的钱尽可能长？你是讨价还价的猎手吗？你宁愿使用记账账户而不支付现金吗？你对这些问题的回答会反映出你的个性。根据心理学家的说法，我们个人的理财习惯不仅表明了我们的信仰和价值观，而且可以从过去的问题中得到发展。
心理学专家认为，对许多人来说，金钱是力量和影响力的重要标志。那些抱怨妻子花钱习惯的丈夫可能害怕他们在婚姻中失去权力。另一方面，妻子可能因为生丈夫的气而浪费大量金钱。此外，许多人认为金钱是爱情的象征。他们把钱花在家人和朋友身上来表达爱意，或者因为需要爱而给自己买昂贵的礼物。
人们可能会沉迷于不同的事物，例如，酒精、毒品、某些食物，甚至电视。他们沉迷于强迫，也就是说，他们必须满足这些需要才能感到舒适。同样，根据心理学家的说法，强迫花钱的人必须花更多的钱。对于那些使用信用卡购物的人来说，更重要的是，记账比钱更令人兴奋：换句话说，这些人觉得使用信用卡他们可以做任何事情。他们花大钱的乐趣实际上比从购物中获得的乐趣更大。
甚至还有一种特殊的讨价还价心理。当然，为了省钱，大多数人都在寻找销售、低价和折扣。然而，强迫性讨价还价的人经常买他们不需要的东西，只是因为他们便宜。他们希望相信自己在帮助预算，但他们真的在玩一个令人兴奋的游戏：当他们能够以比别人低的价格买东西时，他们就赢了。
当然，不仅是科学家了解消费习惯的心理，还有商人。商店、公司和广告商用心理学来增加生意。他们在广告和销售方式中考虑人们对爱、权力或影响力的需求，以及他们的价值观、信仰和意见。
心理学家经常使用一种叫做“行为疗法”的方法来帮助个体解决他们的人格问题。同样，他们也能帮助那些感觉到钱有问题的人。例如，如果一个人在他进入的每家商店都买东西，治疗师可能会用这种方式教他自律。在他的第一次治疗，他必须进入一个商店，五分钟，然后离开。第二天，他应该呆上十分钟，尝试一下。第三天，他呆了15分钟，问售货员一个问题，但是什么也没买。很快他就会明白，如果他不买东西，不会有什么坏事发生，而且他可以解决强迫性购买的问题。
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作者：lzg 文章来源：国和网校 发布时间：2020-02-20 浏览：
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