Is It Time to Stop Being Mr. Nice Guy?
Is being nice harming your financial health? We all like to be the good guy but if you need to get better control of your monthly budget then maybe it is time to find your tougher side in a few aspects of life.
Know How to Say No
Do you hate saying no when people ask you for money? It can be really difficult when a friend asks you for a loan or someone stops you on the street asking for a donation, especially when you weren’t expecting it and they take you by surprise. However, let’s not forget that we all have the right to say no when anyone asks for anything. For some people, even saying no when they receive sales calls can be a struggle. If this is a problem for you then you might want to come up with a few different ways of politely declining that you keep in mind for whenever you need them. Just remember that you have no obligation to give anyone your money, just as no one else has an obligation to give you theirs.
Haggle and Stand Your Ground
Do you sometimes get the feeling that you pay too much for some things you buy? It can feel as though you are being nasty by asking for a discount and by haggling but is this really the case? What you need to bear in mind here is that no one will sell you anything or provide a service if the price doesn’t suit them. The process of haggling is about finding a price that suits both parties, not about you getting a bargain and the other person being left destitute. Do some research and find out a reasonable price for what you are about to buy before you look to buy it. If you can’t then reach a reasonable price you should walk away and look for what you need elsewhere without any hard feelings.
Think of Yourself First
Are you being nasty and selfish by thinking of yourself first? Of course not. Sure, it is great to be able to help other people but you shouldn’t do this unless you are in a financial position to do so. If you gift someone money or pay a bill for them when you aren’t financially able to do so then all you are doing is passing their problem onto you. As well as the economic implication, it could also mean that you end up feeling resentful towards the other person as well. If you are feeling generous then this is fantastic but why not do something that doesn’t cost much money, such as spend quality time with your friends, bake some cookies to share or just send them a nice, heartfelt message now and then.
Don’t Keep Friends Who Take Advantage of You
Perhaps you have friends who take advantage of you by getting you to pay in restaurants or by borrowing your stuff and never giving you it back. This is the kind of person who is holding you back financially. In this case it’s clear that being Mr. Nice Guy isn’t going to help you progress financially. The choice here is simple; tell them some home truths to help the relationship improve or else stop hanging out with them. If you can spend time with people who are as committed to being as financially stable as you are then this should help you achieve your goals as well as have a good time in a relaxed way.
In what other ways do you feel that being a Mr. Nice Guy can hold you back financially?