{"id":1268,"date":"2022-09-19T04:15:54","date_gmt":"2022-09-19T11:15:54","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=1268"},"modified":"2022-09-24T18:16:57","modified_gmt":"2022-09-25T01:16:57","slug":"are-our-spending-habits-a-product-of-biology-or-environment-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id1268-are-our-spending-habits-a-product-of-biology-or-environment-2.html","title":{"rendered":"Are Spending Habits Influenced By Biology or Our Environment?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-63869\" src=\"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2020\/11\/man-on-couch-tossing-money-e1605886329697-1024x802.jpg\" alt=\"spending habit\" width=\"395\" height=\"309\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2020\/11\/man-on-couch-tossing-money-e1605886329697-1024x802.jpg 1024w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2020\/11\/man-on-couch-tossing-money-e1605886329697-300x235.jpg 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2020\/11\/man-on-couch-tossing-money-e1605886329697-768x602.jpg 768w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2020\/11\/man-on-couch-tossing-money-e1605886329697.jpg 1278w\" sizes=\"auto, (max-width: 395px) 100vw, 395px\" \/>What exactly is it that not only shapes our attitudes about money, but also influences our spending habits?<\/p>\n<p>Why is it that some folks have no trouble sticking to budgets, while others fall victim to emotion?<\/p>\n<p>Why do some people seemingly have no regard for the long-term financial impacts of too much debt?<\/p>\n<p>A while back I wrote about the <a href=\"https:\/\/lenpenzo.com\/blog\/id1261-10-key-characteristics-of-debt-free-people-2.html\">ten key characteristics of debt-free people<\/a>.<\/p>\n<p>In response, a reader named <strong>Kris<\/strong> had this to say:<\/p>\n<blockquote><p><em>For me, being debt-free has a lot to do with how I was raised. I saw what debt and spending could do, and I knew I never, ever wanted to live that way. Also, since I didn&#8217;t grow up with much, I didn&#8217;t have a habit of spending or being used to getting the latest things. I appreciated what I had, and I still don&#8217;t have the desire to spend on something unless it is something I really need.<\/em><\/p><\/blockquote>\n<p>I see how some people will conclude from my article that the way we handle our personal finances &#8211; and our attitudes about money, in general &#8211; is hard-wired in our brains from the moment we are born.<\/p>\n<p>If true, it&#8217;s more than a little bit discouraging to know that our spending habits and aversion to bad debt are essentially preordained. But is it really?<\/p>\n<p><strong>Biology or Environment?<\/strong><\/p>\n<p>So what is it that ultimately influences our attitudes, not only about how we spend money, but how we manage our personal finances in general; biology or environment?<\/p>\n<p>There are only three traits in my characteristic list of debt-free people that are biological characteristics:<\/p>\n<ul>\n<li>patience<\/li>\n<li>attentiveness to detail<\/li>\n<li>immunity from shopping addictions<\/li>\n<\/ul>\n<p>All of the others seemed to be more susceptible to influence by one&#8217;s environment.<\/p>\n<p>Making an interesting case for environment, a <a href=\"https:\/\/www.schwabmoneywise.com\/teaching-kids\/managing-allowance\" target=\"_blank\" rel=\"noopener\">study<\/a> conducted for Charles Schwab suggests that parents of kids who did household chores view their children as being more financially responsible than those who did fewer or no chores.<\/p>\n<p>I know much of my personal finance philosophy and attitude about money came from my family. From an early age I remember my folks incessantly encouraging me to be self-reliant and financially independent. They often reminded me that it was important to work hard, save for the future, and eschew debt whenever possible.<\/p>\n<p>As a teenager I also remember a cousin continually telling me that debt accrued in the present limits choices in the future.<\/p>\n<p>Of course, family influence can also work in ways that encourage reckless spending and or a general neglect of one&#8217;s general personal finances too.<\/p>\n<p>There are other factors that can have a big influence on our spending habits. For example, whether or not you grew up in good or bad economic times is a powerful motivator.<\/p>\n<p>It is no big secret that economic health influences generational savings rates. Historical <a href=\"http:\/\/research.stlouisfed.org\/fred2\/series\/PSAVERT\">personal savings rate data<\/a> verifies that each generation shows no proclivity to save money until it has undergone a significant economic downturn such as a severe recession or a depression.<\/p>\n<p>Thankfully, most psychologists agree that we shape our attitudes about money over time. Obviously, when it comes to spending habit influences, both Kris&#8217;s comment and my life experience anecdotally bares that out.<\/p>\n<p><strong>Good News and Bad News<\/strong><\/p>\n<p><em>Okay, Len, I&#8217;ve got a dentist appointment. Where the heck are you going with this darn post?<\/em><strong><br \/>\n<\/strong><\/p>\n<p>If your past spending habits have now got you drowning in debt, I&#8217;ve got some good news and bad news for you.<\/p>\n<p>The bad news is that you can&#8217;t blame your poor financial situation on your neuron biology.<\/p>\n<p>The good news is there&#8217;s no need to despair because our behavior <strong><em>can<\/em><\/strong> be shaped and changed for the better.<\/p>\n<p>You&#8217;ve just got to be willing to look inward and take that first step.<\/p>\n<p style=\"text-align: right;\"><small>Photo Credit: stock photo<\/small><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What exactly is it that not only shapes our attitudes about money, but also influences our spending habits? Why is it that some folks have no trouble sticking to budgets, while others fall victim to emotion? Why do some people seemingly have no regard for the long-term financial impacts of too much debt? A while [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":63869,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[459,467],"tags":[],"class_list":{"0":"post-1268","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-family","8":"category-shopping","9":"pmpro-has-access","10":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Are Spending Habits Influenced By Biology or Our Environment?<\/title>\n<meta name=\"description\" content=\"What is it that ultimately influences both our spending habits and how we manage our personal finances? 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