How to Better Humanize and Harmonize Your Money

Note: This article is courtesy of

By Michael Kay

What’s easier than spending money? For most people, not much. Folks are often happy to spend with too little thought about the purpose, value and consequence of their autopilot decision.

In fact, it’s as easy as point-and-click or line-of-sight shopping. We have become a society of institutionalized spenders, making buying decisions at the blink of an eye: See it. Want it. Buy it.  There is little to no intention or consideration surrounding our choices as they relate to our values and life goals.

The idea of humanizing of money refers to making choices based on values, knowledge, consideration and active involvement. It is the opposite of the knee-jerk spending that rules too many lives, leaving families in debt and money misery. Perhaps you are a victim of institutionalized spending, or you’ve witnessed someone falling prey to this addiction.  But let’s face it, we are all fighting an uphill battle as Big Data provides insights into your shopping habits, product preferences and popular websites. Retailers happily provide all the tasty offerings for you to feast on.

Consider the following questions:

  • Do you have a clear understanding of your spending? (In other words, do you know where your money goes each month?)
  • Do you have a written financial plan that outlines your values and goals and provides the “how-to’s” to get there?
  • Do you understand your money imprint and how your past impacts your decisions today?
  • Do you actively monitor your progress?
  • Do you carry balances on your credit cards from month to month?
  • Are you and the stakeholders in agreement on spending, savings and investment decisions?
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