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    • What Does Your Worst Money Habit Say About Your Personality

    30 August 2022

    What Does Your Worst Money Habit Say About Your Personality?

    With your smartphone always by your side, there’s little friction between you and your urges. Nowadays, it only takes a few taps for an item to land in your cart and soon on your doorstep. Still, how you handle your money may be tied with your personality. Do you splurge as soon as a monthly sale hits? Or do you obsessively budget your income? What do your money habits say about you?

    Marketers and advertisers utilize financial psychology to lure you into spending more money even if you don’t need to. When you’re aware of and understand your spending personality, you can control your finances better instead of it controlling you. You can recognize your unhealthy patterns and change your ways for the better!

    Find out your personality below by taking this quick quiz!

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    2. When my income increases, I…

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    3. Whenever payday comes around, I…

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    4. My weekends are usually composed of me...

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    5. It’s my friend’s birthday, what do I get them?

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    6. My officemate just bought the latest phone model that hit the market. I...

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    The Impulsive One

    The Impulsive One

    You follow your heart, live in the moment, and believe that money is meant to be spent today. However, the problem comes when you start spending the money you don’t have. It’s most likely that you’re in debt, trying to keep up with your lifestyle. If you find yourself in this category, now’s your wake-up call to start making better financial decisions.

    It is best to reign in your spending and set aside a portion of your income for savings so you’ll have some funds in case of emergencies. BPI AIA’s Build Life Plus is a savings and life insurance plan that allows you to grow your money and insure your dreams simultaneously.

    The Liberal Spender

    The Liberal Spender

    You’re somewhat of a big spender, but you try to reel in your spendings by grabbing all the deals you can get. Sometimes, you forget to track your expenses, making your money management sheet and savings outdated and inconsistent.

    Carve a time out of your day to sort your finances. Create a budget to organize your spending and figure out what you should prioritize. You may even find spare money lying around that can be used for a life protection plan, like BPI AIA’s Life Ready Plus. 

    The Happy-Go-Lucky

    The Happy-Go-Lucky

    You’re not a high roller, but you aren’t that strict with your budget either. You just go with the flow without a long-term financial plan in mind. If you’re saving for something, it’s something you can have in a few months or a year or two. Retirement or insurance is at the bottom of your priorities.

    Your worst money habits aren’t that bad, but you need to think about your long-term goals. Install money-management apps so that you can monitor your finances and make sure you’re not spending beyond your means. Getting flexible life insurance can also help you kickstart your long-term financial plans. BPI AIA’s Life Protect has term coverages for one year, five years, and ten years—just take your pick!

    The Self-Starter

    The Self-Starter

    Big splurges after payday? Been there, done that. You’ve spent huge amounts of money on things you didn’t need and been under massive debt before. You’ve learned from that experience and vow to do better, which is why you’re now focused on saving and investing.

    Keep up the great work! Most likely, you already have a 3-month emergency fund set up for yourself now. How about adding a savings and life insurance plan like BPI AIA’s Build Life Plus to grow your money in the long run while protecting your hard-earned wealth.

    Mixed Bag

    Mixed Bag

    Are you a saver or a splurger? Your habits point that you can be a bit of both. There are times that you’re so good at saving up, but when your impulses hit, you lose your money so quickly.

    Don’t worry; there’s always room for improvement. Before making any big purchases, sleep on it first or let it hang out in your cart for a week or two, then revisit it. Focus on your financial goals to enjoy your life in the future. Why not invest in a savings and life insurance plan like BPI AIA’s Build Life Plus to start your money saving journey but with an added bonus of a safety net should something unfortunate happens.

    Be Aware of How You Use Money

    Your personality can reflect how you use your money. A carefree person may spend most of their income in one day. Someone who has gone through the worst of times may be more cautious and instead invest in savings plans. By being aware of your relationship with money, you’ll be able to avoid potential blind spots and make better financial decisions.  

    To get personalized financial advice that works for your personality, schedule a virtual appointment and talk with a Bancassurance Sales Executive today. 

    Did you know?

    You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

     

     

    Philam Life Vitality
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