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My Habtitudes

In: Business and Management

Submitted By heccole04
Words 1717
Pages 7
My “Most Like Me” was spontaneous and the second “Most Like Me” was free spirit. Before I took the self-assessment, I looked at each category to see where I felt I belonged and “spontaneous” is was my first choice, but my second choice (I would have guessed) was “status”. According to the worksheet my advantages for being spontaneous that I agree with are: get a lot of attention and recognition, have many friends and acquaintances, get things right away without waiting, and experience the thrill of taking risks. I agree with those advantages because I am naturally that way… and it doesn’t cost anything. I am a hard worker, I am knowledgeable in what I do, and my bosses (all three of them) tell me how much they appreciate the work I do regularly. I do make friends easily, and I am good a friend in return. I do love taking risks – especially when my friends are there encouraging me. I don’t agree with: enjoy an exciting fun life and am able to quickly respond to opportunities. I don’t agree because those things cost. On the outside it may seem I enjoy life, but really inside I am miserable. My husband and I have made the most money we have ever made but we have nothing to show for it. We don’t enjoy life and we often have to turn down opportunities because we can’t afford it. As for the advantages that I agree with and how they help me – they help give me more money. The work I do and the appreciation I receive comes through raises and promotions. For example, I started at my current job at $13 an hour in February 2008 as a Human Resource Assistant… now I am a Human Resource Specialist 1 and make $26.44 an hour and I am due for a merit increase in April. I am overpaid; however, that tells me that I am wanted and they want to keep me comfortable and in a position that I can never leave (at least until I get my degree). As for the disadvantages for a spontaneous habitude: I spend money I don’t have, go into debt to buy things I don’t need (especially when it comes to clothes), I do not have a reserve/emergency fund for the unexpected, and I feel powerless when it comes to controlling my spending. However, I don’t: borrow money from friends and family so I don’t owe them anything, and I don’t keep money secrets from my spouse – we do all our spending together. These disadvantages keep us in debt because we are constantly buying things we don’t need because it makes us feel better or look better. We don’t have any savings for emergencies and often use payday loans when an emergency does arise. Also, the fact that my husband and I spend together makes it easier for us to feel less guilty. I don’t feel as though I am really a free spirited person or at least how the habitudes describe a free spirit. I don’t feel like any of the advantages really match me. I don’t have faith or count on others to provide for me, I don’t react spontaneously to new opportunities, I don’t share generously with others, and I do feel pressure by other’s expectations. None of those really fit me, but I do see how what they are suggesting ties into someone spontaneous, not necessarily a free spirit. Some of the disadvantages that come with a free spirited person are: lack the skills and information to make wise choices (only when it comes to spending money), my husband and I do support ourselves and our children. We may spend money on things we don’t need, but we always make sure we pay rent, utilities, and by food and clothes for our kids. They don’t know that we struggle financially – they are always taken care of first! I don’t feel trapped or obligated by being supported as I share the responsibilities with my husband 50/50. I don’t miss opportunities by missing commitments; I miss them because I don’t have extra money. I don’t really miss out on necessary items because I always make sure we have what we need before we start spending. I received the most marks in the “Selfless” category for “That’s Not Me”, which is actually kind of sad. I tied for second with “Targeted Goals” and “Security”. After reading through the advantages and disadvantages, I am going talk about “Targeted Goals” as my second “Not Like Me”. I have to say that when it comes to my family (well, some of them), I try and help where I can. I felt like most of the questions didn’t address family, just people as a whole. I don’t give to charity, or help people I don’t know… but I do help my family. My husband and I make more than anyone in my family and they constantly need help. They don’t ask for loans or ask me to buy stuff for them; I just do it. It kind of goes along with my spontaneous personality and probably the only thing I can think of that my husband hates! But when my mom is only making $12 an hour, I can’t expect her to buy her own stuff – especially when it’s my idea to go out. I do have strong values and opinions, I am not a materialistic person, and I don’t depend on others. The advantage I would benefit from in the selfless category is to clearly differentiate between needs and wants. I spend a lot on clothes, but I make myself feel good about it by using coupons or buying from clearance. The disadvantage, I feel that I relate to now is to that I feel guilty or angry at myself when I spend money on personal pleasure because I do it when I shouldn’t. I would not want to feel badly about someone else for spending irrationally- especially if it was only irrational to my way of living, not there’s. I don’t like feeling bad or judging other people… everyone’s situation is different; it’s their own. I would also not like to use a form of control to impose personal values on others. I think Utah as a whole does that already, especially when it comes to religion. I am not a part of the religion of choice as most people in Utah; therefore, I am on the receiving end of rumors, segregation, and sometimes hate. I would never want to make anyone feel that way. I chose to talk about “Target Goals” because I have none… but am working on it. I am missing out on making financial decisions based on values and long-term goals, such as buying a house. My husband and I are afraid to make the plunge and buy a house. We are too afraid of the financial commitment. Even though, we pay rent monthly, pay utilities monthly; we feel like buying a house would be a lot more of a hassle. I would also like to have money for reserve in case something urgent comes up. I hate having to use payday loans or credit cards when I have an emergency. I started taking “Financial University” by Dave Ramsey last week; it’s a 13 week course and while I have only taken one class, it’s been very helpful to me and my husband. For example, his first baby step is to save $1000 for an emergency fund, save it quickly and fast. He said that this is the easiest and hardest step… it really is, but my husband and I have already started. We hope to have $1000 saved in the next month. I would hate to feel pressure by others to spend money on things that don’t fit my budget or values as well as difficulty responding to new opportunities. I hope that when I get to real financial freedom or at least out of debt, I can take advantage of opportunities; like family vacations to Disney World – some place my kids have been dyeing to go. I definitely need more balance in my life and out of all the habitudes; I would like to have a healthy balance between: “Targeted Goals”, “Security”, “Spontaneous”, and “Selfless”. I definitely want the spontaneity because that’s who I am. I am friendly, outgoing, and I like people. Having the right amount of spontaneity is healthy for you, so that when it comes to targeted goals or security you know how to have fun and take advantage of opportunities. I wouldn’t want to have added pressure of feeling guilty when I finally get to financial freedom. I would also like to be more selfless… Every sing questions that was asked in “Selfless” category was marked under “That’s Not Me” – and I really feel like I am selfless in a lot of ways, just not the ways that were listed on the PDF. I help my family and friends whenever there is need- no questions asked… I do whatever I can. I am married and asked my husband to take the same assessment, which he was a little hesitant about. But after I explained why, he agreed, because we are both trying to change our ways and this assignment provided some insight to who we are and why. For the most part we are pretty spot on – the one thing he had checked the most was “Status” – as in that is what he is like. I found out through this assignment that’s why he likes when I buy nice clothes for me and the kids, and why he wanted an Acura TL (when we really didn’t need a new car). I never knew he felt that way. It definitely explained why he never cares what I do, when I do it – even if we can’t afford it. Knowing what each other is like and why will help us be successful in managing money better. Becoming financially free, you have to be willing to come out of the closet, per se. Until now, I thought we were honest and open with why we do what we do. But clearly we aren’t – this will definitely help us in the future.…...

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