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There's nothing like a recession to show where we have been going wrong with our money management. But recent events mean that People will be more financially prudent this year?
Given all the horror stories about banks collapsing, the assets being devalued and credit more difficult to find, I wondered how this would affect the management of people's money and future planning, so I took out my own research through an online survey.
As the new year approached, I asked 200 men and women about their past and predicted financial management. I was fascinated by the subtle but important differences in men and women's economic decisions. The women were very interested in getting a grip on their finances in 2010, while men were set to make as much money as they can.
Most men said will focus on maximizing revenue, with nearly three quarters of them focusing on making more money in 2010. While nearly half of women surveyed said to make money also matters, many more of them said to take charge of their finances was his highest goal for next year. Here are the resolutions up revealed by the survey:
Women high-priced five resolutions for 2010:
- Take care of my finances more (66%)
- Get a higher return (63%)
- Plan my financial future (62%)
- Be more responsible with the money (59%)
- Plan how to make more money (56%)
the best money men five resolutions for 2010:
- Plan how to earn more money (73%)
- Plan my financial future (70%)
- Get a higher return (70%)
- Take care of my finances more (56%)
- Decrease the amount of my personal expenses (52%)
When we think about how good we are with money, often our past mistakes that money come to mind. The time it blew a lucky break in a luxury car, instead of paying some debts. The money left over too long in a poor investment fund. The years have delayed a consignment of pension funds. When the economic climate is reasonably healthy, our finances can withstand such blows a little better. It is when times get tough struck with the folly of our past behavior. And, of course, money is wasted without thinking about the times of prosperity becomes a drain during leaner periods.
No return for a mortgage at a lower interest rate for example, could cost thousands of pounds over the term of the mortgage. Even that day cappuccino and newspaper joins hundreds a year. I have also found that a person three will have a direct debit out of your bank account that you must cancel, a subscription to the magazine he had forgotten, a gym membership or a donation will never use charity they thought was an isolated event that has been adopted each year since 1989!
When I asked men and women of my past mistakes Survey money, it was clear that the error of the greatest woman was not as advanced as men for money. If the head was pushing for a raise or negotiate better rates of self-employed, many women were less due to fear of asking for money or belittle what they had to offer.
In analyzing the differences behavior between men and women spending, I have found that women participate to a greater emotional cost. For many women it usually means they reach the shops when you feel stressed, unhappy or stressed. Women were also more likely to name children is one of the weaknesses of their money. This is another example of how, when it comes to money, women are not as good to get in first. After all, women are taught to care for others and not aggressive is a quality that has encouraged in girls, but it is clear that later in life that can leave them poorer. It's something we tried to address Sheconomics and is noted for the following statistics from the survey:
Women (and men) beyond the most common money mistakes:
- Emotional spending 70% (male 61%)
- Reckless spending 64% (men 39%)
- The reluctance to borrow money at 62% (male 47%)
- Expenditure on children / persons in charge of 46% (30% male)
- Fear of money 44% (men 48%)
Karen Pine PhD
Professor Karen Pine is a renowned researcher in Developmental Psychology as well as being a popular women's writer. Currently she is Professor of Developmental Psychology at the University of Hertfordshire. Professor Pine's research has been published extensively in international academic journals and presented at conferences worldwide.
Women's issues have always been at the heart of Karen's interests and her wide-ranging research includes non-verbal communication, money management and body image. She has featured regularly in the media, on television programmes such as Channel 4 News and Richard and Judy and in news media from the Independent in the UK to the Sydney Morning Herald in Australia.
With Professor Ben (C) Fletcher she developed the Do Something Different method for behavioural change. Their book, The No Diet Diet, has been hugely successful as a scientifically grounded approach to weight loss. They have also published The Do Something Different Journal: 100 Ways to Shake Up Your Life. She is now applying this approach to other areas where women fail to take charge -such as their dealings with money and in 2009 published Sheconomics with financial coach Simonne Gnessen.
http://www.karenpine.com
http://sheconomics.com
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