TIrchio. Word. Spilorcio. Miserly. Pulled. Prudent. Thrifty. Frugal. There are many words to define those who put aside every penny, and only one for those who, on the other hand, do not resist shopping: spendthrift.
There are many shades, some self-investigative (nobody defines themselves as “tiechio”, if anything “prudent” or “frugal”) and the degrees that separate the absolute savers from the disassembles can be many, but to Scott Rick, university of Michigan, author of the essay Tirci and Spendaccioni. Manage money in personal relationships (Aegea) and twenty -year studies on financial psychology, only affects bipolarism, the sidereal difference between a Paperon de ‘Scrooge and a Becky Bloomwood, compulsive accumulator of debts in the series of novels by Sophie Kinsella I love shopping.
VIP Tirci and Spendaccioni
Not that it is necessary to look for examples in the fiction. The late billionaire Ingvar Kamprad, inventor of the Ikea, was known for his scroll sparkling at least Paris Hilton is legendary for crazy expenses Like the building for dogs and the immense shoe rack (1200 pairs). Lady Gaga collects discount coupons, Jennifer Lopez has a short laborer with tips. And we all have a friend who, when you go out, never has a credit card, does not remember the pin, or has left the wallet on the table, and buy the gifts in the shops for one euro.
Jennifer Lopez is known for the restored tips he leaves at the restaurant. (Photo by Mega/GC Images/Getty Images)
The rash do not collect fan even when they have recycling as an alibithe health of the planet, the war on waste. For the actor Dany Boon, who stars the dog François in the film an almost perfect tie, “among the seven capital sins, the most serious is avarice. Does not give any joy ».
Avari and Prodigi attract
The excessive wiseness does not completely depend on the lack of money. In a curious survey by the Times, 8 percent of the Tirci declared an income of less than ten thousand dollars. Just like 9 percent of the spendaccioni. The boom of low cost (Shein, Temu) is the response to the desire for purchases by those who do not have high income. One of the slogans is: “Buy like a millionaire”.
The question, a source of infinite jokes and jokes is more serious than it seems. In the new spot Conada couple walks in a desolate country road by laboriously dragging the suitcases. “Isn’t our first trip walking in nature romantic?” He asks him to a desperate she. Here, that would be the type that organizes a saving holiday.
In Tirci and Spendaccioni, Scott Rick speaks of a“fatal and fiscal attraction between the two categories. Weddings between Tirci and Spendaccioni are more common (58 percent) than those between people with similar spending trends (42 percent). A bit because, old story, the opposites attract, partly because, according to a widespread theory, cIaScuno of us seek in the other the part of himself denied or the compensation for a form of suffering. There is undoubted that both categories express a strong discomfort for the impulses that cannot dominate: to give up a useful purchase or not to resist a totally superfluous one “because sooner or later it could serve”. Just as some are unhappy of their shyness or being Workaholic, Tirci and Spendaccioni are, by definition, in conflict with their behavior.
When you were tirchi and spendaccioni they get married …
At this point, how is married life? Who chooses to go on vacation and which star restaurant to celebrate the anniversary? How much to spend on the new car or the education of children? And again, between a husband spending and a somewhat pulled wife, and vice versa, who checks her? Are those who bring more money at home? Beautiful questions.
The sharing of spending choices in pairs and in the family is, according to Rick, a science, or perhaps an art, very difficult. Tircles always hope that the spendaccioni become moderate, but rarely happens. The spendaccioni quarry with “good, if you don’t buy it, I buy it”. And hello. There are those who squeeze the thirchs. For example, the hairdressers who exhibit the sign: “Psychotherapy is expensive! Choose a new cut! We are very discreet listeners!”. Shampoo as a secular confession at zero cost.
The fearsome discussions on money
Seth Stephens-Davidowitz, Data Scientist, found that Many use Alexa as a confidant/psychologist: “He says that we cannot afford to travel”, “she squanders everything in clothes”. “Discussions on money” explains Rick “are particularly corrosive, even more than those concerning their in -laws”. Have increased since women work and, above all, can have a higher salary than the partner.
And financial infidelity appears
In the essay Ladies do not speak of moneyAzzurra Rinaldi, feminist economist, confirms that among the great taboos of the couple there is precisely money. How to get by? In the novel Asian rich from crazyfirst of a series, there is a capitalist wife with a husband who earns less than her and is against the waste. The lady, for consoling purposes, buys Chanel jewels to Stock but, when she arrives at home, she hides cases and bags.
Rick would call this behavior “Financial translucence”, a middle ground between “financial infidelity” (having “secret” income, investments and purchases) that Monica Mehta, of the Wall Street Journal, defines A plague of modern marriageand “financial transparency” (absolute sharing). Psychologists, analysts, experts in the asymmetry Time-Spendaccioni were exercised on the topic but, unfortunately, there is no valid advice for everyone. In pairs it would be necessary to become “non -conflicting consumers”, Rather balance, or there would be no ranks of coach and therapists to try to adjust things.
The psychologist Carole Burgoyne believes that the joint accounts help to create “a form of equality”: All income together passionately. Kevin O’Leary (known as Shark Tank’s Mr.Wonderful, a ferocious program for the launch of start-up, other than the apprentice) prefers the opposite solution, that is, keeping your financial identity, as in the times of caves. Your stone, my stone. Your account, my account. The financial consultant Suze Orman, Podcaster and for 13 years the presenter of the very popular (in the United States) Suze Orman Show He recommends “at least three accounts: one for himself, one for husband/ wife/ partner, and a common from which to pay food, rentals and bills”.
The gift of a tie is worth more?
Then there is the gift theme. A spent boyfriend is probably generous with himself. If you buy the latest smartphone model to her girlfriend, she may not see it as a great demonstration of affection. Maybe the week before he bought technological devices for triple the figure without needing it. Who instead receives the expensive gift from a great tiehe knows he suffered, he risked (psychologically) so he is really in love. If, on the other hand, the gift is a dart game (which he only uses him) or the subscription to the billiard sports channel (which sees only him), well, better to change boyfriend.
After so much studying, Rick’s advice is even banal: “If two people are equal in most aspects, but one earns twice the otherdon’t pull the coin. Choose a generous partner and yes, get married for money. You will not be the first. Feel well requires love and money enough. But also interests, values and similar dreams. Not identical! It would be a recipe for boredom ». Or ends as in Leo Longanesi’s joke: «They lived unhappy because it cost less».
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