Note: There is no right or wrong in anybody’s financial personality – this post just looks at different people’s financial habits. Money and finances are tricky for anybody. They were very nice in mathematical problems in school – but they got complicated once we really started earning and did the credits and debits! ???? Since we are all not born with a silver spoon and have to work through different work environments to accomplish our financial goals, spending is different for every individual. Family background also shapes our financial habits through the years.