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The Psychology of Overspending

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I talked recently about the psychology of money and it’s mental, and very real, implication in our daily lives. In light of the recession and economic woes many are facing, I’d like to take that one step further and talk about the psychology of money problems.

The Sex and Money Study

The original study connects money and sex and shows that when young men were shown erotic pictures, they were more likely to take a bigger financial gamble than if they were shown a picture of something scary.

Perhaps not-so-surprisingly, the arousing pictures lit up the same part of the brain that also lit up when financial risks are taken. The study focused on the sex and money “hub” of the brain, which is near the base of the brain and plays a central role in what you consider to be pleasurable.

How Money Affects the Sex Hub of the Brain

The flip side is also true and it’s likely you don’t need a study to tell you that financial hardship can adversely affect the sex “hub” of the brain, and make for some rough going in your relationship. Money takes an emotional toll on individuals and couples when there’s not enough to go around, or not as much as you’re used to having.

Ironically it seems that people are much more willing to discuss sex and relationships than they are to discuss finances, but having a financial conversation is just as important. Circumventing this discussion can lead one or both people to act out and commit Financial Infidelity.

When Financial Infidelity Occurs

This type of infidelity often occurs when one person is looking for that emotional high and begins engaging in thrill seeking behavior like overspending, buying big ticket items behind their partners’ back, etc. Basically, doing something that feels good in the moment but has harmful repercussions later.

Of course it tends to be a fact of life that emotions get tangled up in money. Look no further than recent recession/stock market news: in spite of the fact that most people KNEW there was a down turn in the economy, the stock market still plunged on the news of the recession.

But this emotional connection doesn’t mean finances, whether things are going well or poorly, have to be a negative aspect of your relationship.

Obviously honesty is important, and it’s VERY important to be honest and not let the stresses, problems and temptations in your relationship get to the point of an infidelity! Learning how to talk through things you face, both as an individual and a couple, can be crucial to building a strong relationship.

Are You Really Staying Together For The Kids?

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Is It The Kids, Or Is It Something Else?

I believe that couples can work through just about any difference or circumstance thrown their way and encourage people to make up, not break up. But when it comes to reasons why people DO end up staying together, I don’t think that “the kids” is a valid, or truthful, reason, nor is it a healthy one.

Let’s take the relatively recent example of Sen. John Edwards, whose affair was revealed to the public during this election cycle, but had been made known to his wife soon after it happened.

We at least have to give him SOME credit for being honest with her. She said she was (obviously) upset, but decided to stick it out with her husband “for the kids.”

This is something we hear a lot, and something I see a lot when talking to couples who are contemplating divorce or who have gone through an affair situation. The truth is, people rarely stay together just for the kids.

Wanting To Make It Work

People stay with the cheating spouse/partner because deep down they want to make it work and they believe they CAN get to the bottom of the situation, and work through it. These are valuable sentiments to acknowledge and important in beginning to re-build the relationship, if that’s what the couple chooses to do.

The affair usually comes as a wake-up call to both parties involved. It’s a (rather obvious!) sign that they’re struggling with something else, whether it be a fear of loss, as seems to be the situation in the case of the Edwards’, dealing with stress (also a possible factor), or even a means of revenge for something else going on in the relationship.

Whatever the reason, it’s an obvious turning point and one that can be negotiated around when the couple is willing to get to the bottom of their emotions.

Don’t Let A Financial Downturn Cause Financial Infidelity in Your Relationship

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As I’ve mentioned before, I’m calling this economic crisis "Financial 9/11." And it’s obvious that this downturn has been around for awhile, and may be here to stay for quite some time.

A report was recently released that the recession is said to have started this time last year. Meaning we’ve already been experiencing a decline for nearly a year.

Not to start this article off on a down note, but it can be hard to keep spirits  up, especially during the holiday season, when news like this hits the airwaves. So how can you avoid committing financial infidelity in this tough economic times?

Avoid Financial Infidelity

Those who end up falling into financial infidelity are often seeking to duplicate the euphoric feelings of "falling in love." They are trying to re-create their feelings, maybe not specifically with adulterous affairs, but by other means, including out-of-control shopping, or  other risk-taking behaviors.

It may seem counter-intuitive that someone would "binge-shop" during tough financial times or that a person would actively seek out risk, but the satisfaction that is felt from this "quick fix" can appear to be worth the risk or the cost.

Talk to Your Partner

The key to avoiding such destructive behavior is communication. I touch on various types of relational/financial communication in my book, Financial Infidelity, and there are many different ways to communicate your feelings about money and finances.

You could engage in Smart Heart dialogue  where you use a transition in life to ask crucial questions and uncover you and your partners ideas about money. You could focus on your "Imago," the way you look at money based on your past both as an individual and as a couple.

Don’t Let Stress Get to You

The important this is to not let the stress get the better of you and to keep engaging each other in honest conversation. It’s hard not to let these conversations escalate, but it’s important to keep a neutral tone so that each person feels comfortable talking about their concerns:

*Echo what you hear and validate your partner’s feelings. Truly listen to the other person and let them hear you repeat their thoughts and concerns back to them. This assures them that you ARE paying attention and not just continuing with your "agenda."

*Detach from your emotions. Try not to let your responses be emotional, but rather focus on the facts and the truth.

After a fair and productive conversation, remember things that each person need to work on, in order to avoid financial infidelity or a need for thrill-seeking behavior.

Understanding the Sex-Money Connection…

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Money and sex are more closely tied than you may have first suspected, and there’s scientific research to back that up. A new brain-scan study showed that when young men were shown erotic pictures, they were more likely to take a bigger financial gamble than if they were shown a picture of something scary.

Perhaps not-so-surprisingly, the arousing pictures lit up the same part of the brain that also lit up when financial risks are taken.

The Sex and Money Study

The study involved 15 heterosexual young men at Stanford University and focused on the sex and money “hub” of the brain, which is near the base of the brain and plays a central role in what you consider to be pleasurable.

When the erotic images activated that hub, the men were far more likely to bet high on a random chance game that would earn them either a dollar or a dime.

The Triggers

Stanford psychologist Brian Knutson, a lead author of the study, says the trigger doesn’t HAVE to be sex. It could just as easily be something like a winning lotto ticket, good food or delicious dessert. Basically, he says, it’s all about the power of emotion and arousal and our financial decisions.

“It didn’t matter if the sexy woman didn’t tell you anything about the odds of winning a roulette game,” he explained. “What really matters is that the sexy woman is having an emotional impact. That bleeds over into your financial decisions.”

Part of a fulfilled life and relationship is keeping these emotional triggers, whatever they may be, from spilling over into your financial decisions too much. Letting sex, or food, for example, affect your financial relationship can have a severe impact on your emotional relationship. As I talk about in my book, Financial Infidelity, what typically leads to multiple types of infidelity, whether it be sexual, financial, emotional, etc, is a need for a thrill.

Thrill Seeking Behavior

Thrill seeking behavior, as this study shows, can be triggered by sex or sexual images and the reasons at at the root of this behavior can often be tied to stress and fear.

When it comes to financial infidelity, one person may use money or shopping to relieve the stress of a bad day at work, a fight in a relationship, any one of a number of things. These things are similar triggers to what can cause a sexual affair, as well.

The bottom line is, there are  behaviors going on behind the back of one of the partners. Obviously honesty is important, and it’s VERY important to be honest and not let the stresses, problems and temptations in your relationship get to the point of an infidelity! Learning how to talk through things you face, both as an individual and a couple, can be crucial to building a strong relationship.

The Balance Of Power: How Sex And Money Affect Your Relationships

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Ever wondered what it would be like to make a career out of sex?  Showtime’s new show “Secret Diary of a Call Girl” plays to just such curiosity.

It is based on the book which was based on the blog of an English call girl who sells her body to strangers because she loves sex and money.

As Entertainment Weekly reports:

"Call Girl" is a blatant attempt to re-create the friction and success of "Sex and the City" down to the knowing-girlfriend voice-over. Indeed, as Hannah by day, Belle by night, Piper gives us a sassy cross between Carrie and Samantha. If either of those characters had been British. Or hookers.

The series seems to make the case that you CAN be happy and be a prostitute, yet arguing that this is an enjoyable alternate career choice seems difficult to do. And the women who claim to have successfully done this are seemingly few and far between.

Sex and Money

Sex and money seem to be common themes nowadays, as sex scandals abound, and the money that comes along with it is obscene! As our culture becomes more engrossed in the pairing of these two subjects, they are also the two topics causing the most problems in marriage.

Sex is tied into money and that’s all wrapped up in power. The power struggle between men and women, in our relationships and marriages is familiar territory, if only recently glorified by bawdy TV shows.

The Balance of Money, Sex, and Power

As I discuss in my book, Financial Infidelity, the balance of money, sex, and power can make or break a relationship, and often times, financial infidelities can take just as heavy a toll on a relationship as a a sexual infidelity.

Couples often fall into financial infidelity when they are not honest about how they spend money, or don’t discuss the strain that finances can put on a relationship.

One person may be overspending and going behind the other’s back by getting cash back at the grocery store and using it for personal items, operating bank accounts that the other person doesn’t know about, or any one of a number of things, some of which may seem inconsequential.

Often, the issue isn’t that one partner is withdrawing, say $20 without the other’s knowledge, it’s the spirit of deceit in which it’s done.

The Blowback

The blowback from this can be financial: when the “deceived” partner finds out what’s going on, they may feel entitled to make purchases of their own, further eroding the confines of a budget, not to mention trust.

It can also be relational as financial infidelity involves going behind someone’s back, covering your tracks, and not being honest with your partner, just like sexual infidelity.

Knowing how to deal with these struggles and understanding the differences between you and your partner when it comes to these things is crucial to a healthy, respectful relationship. Of course, this is easier said than done, especially if you haven’t pried into your financial history before.

A good place to start is by discussing your personal money habits, then taking a look at how money was dealt with in your past and in your family. You might be able to start drawing some conclusions about current behavior from examining your past.