Impulsive Spender
If you are an impulsive buyer, you might sometimes find yourself in an extreme situation where you have to buy that dress like your life depends on it and not have money for groceries for a week. While you know the answer is clear, let's just pause for a second. What if this dress isn't here next week? Or what if the prices go up? What would be the point of having extra money and not even being able to spend it? What if you could do both? All you need to do is get that dress today and walk to the office, skip coffee, do not get milk or meat with other groceries for a week. So you could balance it out. Pretty Doable right? NO, this is how your brain might try to convince you if you are an impulsive buyer and we bet it might succeed at least more times than it fails. Remember, you can't have it all at once. Nor can you neglect basics for momentary impulses.

For a personality trait like you. Follow the Envelope Budgeting Method.
The Envelope Budgeting Method is a strategy where you allocate cash into different envelopes for specific spending categories, like groceries, clothing, or entertainment. Once an envelope is empty, you can't spend more in that category until the next budgeting period. This physical constraint helps impulsive buyers stick to their budget and make more mindful spending choices. Remember to have an envelope for your needs like your essentials or saving and investing, emergency funds.

Analytical Planner
But What if you are the opposite? You can't be impulsive; you need strategies and well-researched plans before you make any decision in your life. Then you just might be the Analytical type. Analytical planners are detail-oriented and enjoy organizing their finances meticulously. For an Analytical planner, it is more important to have a plan and a budget strategy than anything in the world. For a personality trait like this. You could try the Zero-budget method

The Zero-Based Budget is ideal for analytical planners. It requires allocating every rupee to specific expenses or savings goals, leaving no funds unassigned. This approach aligns with their meticulous nature, ensuring that each dollar is accounted for and efficiently utilized within a comprehensive financial plan.

Cautious Spender
For Cautious Spenders who are perpetually concerned about the future, financial planning can be a constant source of anxiety. These individuals are driven by a deep-seated desire for financial security and are often haunted by the fear of unexpected expenses or a future lacking in financial stability. They are more likely to forego immediate gratifications in favor of saving and investing in a bid to secure their future. This personality trait reflects a prudent, forward-thinking mindset, but it can sometimes lead to over-worry and stress about finances. They seek peace of mind by ensuring they are prepared for whatever financial challenges the future might bring.

The "Pay Yourself First" budgeting strategy is a perfect fit for you deeply concerned about the future.The fundamental idea is to prioritize savings and investments over expenses. Before any bills are paid or discretionary spending occurs, a predetermined portion of one's income is allocated to savings or investments. When income is received, whether it's a paycheck or any other source of money, a fixed percentage or amount is immediately transferred to a designated savings or investment account. This ensures that financial goals are funded before any other expenses are considered. Over time, this approach not only provides the financial security they crave but also reduces anxiety and worry about unforeseen financial challenges.