How your personality affects your Christmas spending

According to Dave Ramsey, an American financial author, radio host, television personality, and motivational speaker, it is important to be aware of how your personality affects your shopping habits. Dave uses the DISC Profile System as a test to link a personality type to shopping habits. DISC stands for:

  • (D)ecisive
  • (I)nteractive
  • (S)tabilizing
  • (C)autious

If you are a (D)ecisive shopper, you know what you want, you make decisions quickly; when you find what you are looking for, you pay for it and leave. You’re a fast and efficient shopper.
How can you save money? Although you are quick and efficient when you shop, you might not always get the best deal, as you often do not take the time to do your research to compare prices. A bit of research before making a quick purchase decision will ensure the best deal.


If you are an (I)nteractive shopper, you value a second opinion before you make a decision to buy something. You enjoy shopping with friends.
How can you save money? Be careful not to get too caught up in the social experience when shopping with friends. Shop with someone that is also budget conscious and keep each other accountable to avoid overspending.


If you are a (S)tabilizing shopper, you find a brand you trust and like, and you stick to it. You are not easily swayed by new offerings.
How can you save money? Be careful that your brand loyalty is not costing you too much extra. You will probably be able to find an equally good brand for a more affordable price. Be open to explore new, more affordable brands.


If you are a (C)autious shopper, you compare everything with everything first before you buy something.
How can you save money? It is wise to do your homework before making a purchase decision, especially for big purchases. However, be careful that you don’t confuse yourself with too many options. Opinions from trusted friends could surely assist you to make a good decision.


Another important consideration is your self-concept – how you see yourself – be it positive or negative. Your ideal self – how you would like to see yourself – and others’ self-concept of you – how you think others see you – also influences your purchase behaviour (Consumer Behavior: How People Make Buying Decisions, Principles of Marketing – Chapter 3, Publisher: Flat World Knowledge).

Marketing researchers believe that consumers buy products to boost how they feel about themselves – to get themselves closer to their ideal selves. Many beauty products and cosmetic procedures are advertised in a way that is supposed to appeal to the ideal self that people seek. All of us want products that improve our lives.

So, next time when you go out to buy something, think about what type of shopper you are and how you see yourself vs. your ideal self, and see how you could make the best decision and still save some money!

Remember, your first priority should be to get out of debt before making more debt. If you need assistance to conquer your sea of debt, Debt Rescue can assist. Contact us today to help you become debt free.

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