Don’t Be That Girl: 3 Financial Archetypes That You Don’t Want to Be

June 6, 2013  |  

It is so important that women have access and constant exposure to positive financial role models as they journey from girlhood into womanhood. When they don’t, they end up like one of the following financial archetypes — using money as a proxy and substitute for self-worth, love, status, security, and identity.

 

Danielle The Diva

Danielle The Diva has a big problem differentiating between a “need” and a “want.”  In her world, a basic need for food somehow justifies eating out at expensive restaurants several times a week. She is impulsive, rejects the whole notion of budgeting, and believes that wanting something is enough of a reason to buy it. The funny thing is that she never wants to buy things that are on sale or moderately priced. Danielle feels she has the right to have the largest, the most expensive, and the most over-the-top items despite her financial realities.

When it comes to planning social events, Danielle fails to consider the financial obligations of her friends, especially when it comes to celebrating major events and milestones in her life. But to give credit where credit is due, Danielle The Diva may extend this generous spirit to her friends by dipping into her purse when someone needs financial assistance or treating them to high-end gifts or exotic dinners.

What is sad, though, is that Danielle cannot afford the lifestyle that she lives and never will. In essence, Danielle the Diva will always be broke or living paycheck to paycheck. For every $10 she earns, no matter what her income, Danielle The Diva spends $15. Danielle The Diva believes that money is meant to be spent and that it buys happiness, even if it is temporary. She finds delaying immediate gratification torturous.

Danielle The Diva’s Favorite Money Phrases “If you like it, then get it.” “YOLO! ” “I’ll take three.”  “I work hard so I deserve to treat myself.”

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