{"id":712,"date":"2025-01-13T04:15:54","date_gmt":"2025-01-13T12:15:54","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=712"},"modified":"2025-01-19T12:34:29","modified_gmt":"2025-01-19T20:34:29","slug":"the-7-deadly-sins-of-personal-finance-3","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id712-the-7-deadly-sins-of-personal-finance-3.html","title":{"rendered":"The 7 Deadly Sins of Personal Finance"},"content":{"rendered":"

\"personal<\/a>I remember going to catechism as a kid and learning about the seven deadly sins. Maybe that’s why an old national sin survey<\/a>, conducted by a Kansas State University team of geographers, caught my attention. The provocative study measured and created a “sin index” for 3000 US counties with respect to pride, envy, lust, gluttony, wrath, greed, and sloth. Truth be told, I found it to be rather fascinating because there are personal finance sins too.<\/p>\n

It’s true. Your personal finances are subject to the very same seven deadly sins that many believe afflict the human soul.<\/p>\n

With that in mind, we should all step into the confessional from time to time and reflect upon whether we’ve committed one or more of the seven deadly sins of personal finance.<\/p>\n

1. Pride<\/h3>\n

Mortal or Venial? <\/strong>Mortal. In fact, pride is the deadliest of all the personal finance sins as well as the one from which most of the other deadly sins emanate.<\/p>\n

Examination of Conscience:<\/strong> Pride can quickly result in insolvency and a trip to bankruptcy court. People who suffer from this sin have a strong sense of self-importance. As a result, they see it as their solemn duty to keep up with the Joneses — whether they can afford to or not.<\/p>\n

Penance: <\/strong>Two rosaries and this article from James Clear<\/b>\u00a0on the importance of delayed gratification<\/a>.<\/p>\n

2. Wrath<\/h3>\n

Mortal or Venial?<\/strong> Mortal. Wrath is the only personal finance sin not related to selfishness or self-interest.<\/p>\n

Examination of Conscience:<\/strong> People who are afflicted with this sin often have uncontrolled feelings of anger and denial. As a result, they typically fail to recognize that: 1) their income is a finite resource; and\/or 2) their finances are in dire straits — usually because they live beyond their means.<\/p>\n

Penance: <\/strong>Three Acts of Contrition, two Hail Marys, the Lord’s Prayer, and this quick piece on financial denial<\/a>.<\/p>\n

3. Sloth<\/h3>\n

Mortal or Venial? <\/strong>Mortal. Sloth is the only personal finance sin characterized by a lack of excess.<\/p>\n

Examination of Conscience:<\/strong> Those who suffer from sloth are listless and apathetic when it comes to their own financial health; that leads to financial instability. Slothful people are so detached from their personal finances that they refuse to track their income and expenses, plan for their retirement, or make a household budget.<\/p>\n

Penance: <\/strong>Three Lord’s Prayers, a Hail Mary and this article from Forbes<\/strong> on all the ways your laziness is costing you money<\/a>.<\/p>\n

4. Greed<\/h3>\n

Mortal or Venial?<\/strong> Mortal. Greed, of course, is a sin of excess and instant gratification.<\/p>\n

Examination of Conscience:<\/strong> Greed is characterized by an insatiable desire to acquire material goods, without regard for need or cost. Greedy individuals lack self control. As a result, their less-than-pragmatic approach to shopping strains household finances.<\/p>\n

Penance: <\/strong>Three Hail Marys and this article on what’s really important<\/a> in the grand scheme of things.<\/p>\n

5. Lust<\/h3>\n

Mortal or Venial? <\/strong>Mortal. <\/strong>Fun fact: This sin was originally known as “extravagance.”<\/p>\n

Examination of Conscience:<\/strong> Lustful people have a proclivity for extravagant behavior. As a result, they constantly purchase high-end luxury goods. Those who are guilty of lust would never be caught dead buying products without an expensive designer label.<\/p>\n

Penance:<\/strong> Two Hail Marys and this article on bad habits that keep people mired in debt<\/a>.<\/p>\n

6. Gluttony<\/h3>\n

Mortal or Venial? <\/strong>Venial. This is one of only two personal finance sins that can be categorized as relatively benign.
\n<\/strong><\/p>\n

Examination of Conscience:<\/strong> Those who are guilty of gluttony over-indulge and over-consume to the point of waste. For example, gluttonous people will buy useless items that provide very short-term satisfaction, use paper plates for dinner on a daily basis, fail to repair leaky faucets, and buy items in bulk — only to let them sit unused beyond the product expiration date.<\/p>\n

Penance: <\/strong>A Lord’s Prayer and this 90-second news clip on how restaurants get you to spend more<\/a>.<\/p>\n

7. Envy<\/h3>\n

Mortal or Venial? <\/strong>Venial. This is arguably the least destructive of personal finance sins — especially for those with a strong sense of self-control.
\n<\/strong><\/p>\n

Examination of Conscience:<\/strong> Envious people perceive themselves as lacking and resent the good fortune and material possessions of others. Unlike greed, envy in and of itself will not destroy one’s personal finances. However, if not controlled it often leads to greed, which easily can.<\/p>\n

Penance: <\/strong>Two Acts of Contrition and this piece from US News<\/strong> on how to combat financial envy<\/a>.<\/p>\n

One last note: Always follow the 10 Commandments of personal finance<\/a> — because nobody can effectively manage their personal finances on blind faith.<\/p>\n

Photo Credit: gags9999<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

I remember going to catechism as a kid and learning about the seven deadly sins. Maybe that’s why an old national sin survey, conducted by a Kansas State University team of geographers, caught my attention. 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