ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

The Tightfisted Money-Spender Personality Type

Updated on January 24, 2015

Tightfisted Spenders manage finances carefully and plan-fully. Anyone who tries to step in to help are met with resistance, rendering any such aid useless. No matter how much such help could potentially bring order with the "right" principles, the threatened loss of financial control can make the cautious-nature of the Tightfisted Spender go berserk!

Control is one of their top financial priorities. When they think they are losing control of their money management, they overly focus on or argue about the details, thinking things are worse than they really are.

The Tightfisted Spender is one of four primary personality temperament types. These temperaments represent the ways people differ from one another when defined by attitudes and actions. They are labeled by the two-letter codes SJ, SP, NF and NT, and the Tightfisted Spender is the first one, SJ.

Hurdles for the Tightfisted Spender

The Sensing-Judging (SJ) temperament type of the Tightfisted Spender are the Myers-Briggs® personality types of ESTJ, ISTJ, ESFJ and ISFJ. People of these types exhibit two challenging tendencies in their spending habits.

  1. They can get stuck in complicated disagreements on what is—or is not—an important financial expenditure.
  2. Unanticipated life changes with vague situations can threaten the Tightfisted Spender's priorities of controlled spending and an ordered budget.

Source

Motto: Spend what my purse will allow.

Financial Satisfaction for the Tightfisted Spender

The SJ Tightfisted Spender can get unstuck by using a frugal strategy for those financial matters that really matter. This strategy can be one that is financially satisfying, even with limited income.

The mind of the Tightfisted Spender is set at ease by

  1. planning "fun money" and
  2. setting aside funds for the unforeseen future needs.

Even when this is in place, do not be surprised should the Tightfisted Spender need more time than expected to decide to go ahead with a fun or unforeseen expense ... just to make sure he or she didn't miss anything in the calculations!

The best help for such tight wads, though, is someone seriously sitting and listening to them list out the details of what they are so concerned about being managed well. They want to spend the limited funds efficiently and responsibly, so may need others to allow them to check out the value of a purchase and guard against waste.

Habits of the Tightfisted

This preference for keeping spending habits so tightly managed also means the Tightfisted Spender will

  • cautiously avoid instability, and
  • be careful to protect against negative outcomes.

They tend, therefore, to

  • go without, if they think they cannot afford it,
  • be loyal to store and brand, and
  • plan and save for purchases.


There are four money personalities

The following articles discuss three other money personalities. Do you identify with the Tightfisted Spender, or one of these others?

Much of the above is based on material that was presented in a powerpoint by Ray Linder.

© 2011 Deidre Shelden

Comments

    0 of 8192 characters used
    Post Comment

    • vrajavala profile image

      vrajavala 

      7 years ago from Port St. Lucie

      I think that in the case of all these compulsive spenders, the one thing they forget is God. He always provides.

    • Ms Dee profile imageAUTHOR

      Deidre Shelden 

      7 years ago from Texas, USA

      Very helpful to know you think it practical, Betty! Yes, you could be this type, but a bit more conscious of how your actions impact others; as a Feeling type. The other person you are thinking of who this fits even better is the more logical Thinking type who is more conscious of systematic ordering. Just my guess.

    • Betty Johansen profile image

      Betty Johansen 

      7 years ago

      I might think this fits me if I didn't know someone who is a better fit. But I can see some of these tendencies in me.

      This study is a very practical approach to financial peace and success. Thanks for sharing your expertise.

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)