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The type that seems to have their life together

Disclaimer: The contents of this article are for general information purposes only and do not constitute financial advice. If you’re in any doubt about your finances, you should seek financial advice. The views and opinions expressed by Dr Oliver are those of the author and do not necessarily reflect the views or opinions of first direct.

To most people, you seem to have life ‘sorted’. You might be managing multiple ISAs, pension pots and investments – but you’re only just getting started.

You love a challenge and you like to have goals. It gives you something to aim for – because if you don’t know where you’re going, it’s often harder to motivate yourself. You’re naturally financially confident and long-term plans excite you. You don't need any hand-holding with your money, but you're always open to information that could help you along the way.

For as long as you can remember, money has been a huge factor in achieving your goals. In fact, you’re not really sure why others don’t have the same outlook – though you’d never dare to ask. However, sometimes you can feel as though you’re so focused on your goals that you might be missing out on other experiences that life has to offer.

Does this sound like you?

  • You’re optimistic about the future of your career and your finances.
  • You’re not afraid to make long-term plans (it’s good to have goals to aim for). 
  • You’re a calculated risk-taker, and you enjoy investing in things.

Psychologist, Dr Oliver, shares his tips to help improve your financial wellbeing…

You may have noticed that your focus on achieving goals can sometimes prevent you from enjoying spontaneity and fun moments happening now. There are some theories that explain why spontaneity supports overall wellbeing. One suggests that you’re likely to immediately judge pre-planned actions as a success or failure - based on what you expect the outcome to be. In contrast, being spontaneous has no goal with no ‘ideal’ outcome, so you can focus your attention more on enjoying the present moment. Making your money support the spontaneous side of life could help you.

Try the following tips:

  1. Include a ‘Day of Spontaneity’ on your calendar every month – either on your own, or with a close friend or relative. You could go somewhere you’ve not been before and find things to do that catch your eye in the moment. You might find it liberating to do unplanned activities like this, and you won’t feel guilty about spending if you’ve allocated money for it.
  2. You could try a new hobby or activity that involves cultivating spontaneity. A movement-based activity is great for this, such as a dance workout, or a drama-based improvisation class.

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