![images.jpeg](https://images.hive.blog/DQmcLNN4RpqQg1ovRUCQGYcE1usQBccQfSzD3rjikcDGFGu/images.jpeg)


###### [Image source](https://www.google.com/search?q=choosing+what+to+spend+money+on&client=ms-android-xiaomi-rev1&prmd=vin&source=lnms&tbm=isch&sa=X&ved=2ahUKEwjl2f_d0oPsAhXNRBUIHcoMBisQ_AUoAnoECA8QAg&biw=393&bih=719#imgrc=SNCP17zKaR0T0M&imgdii=WC24JRfqkZNncM)




<hr>

Spending money can become a culture, a way of life and the diverse ways through which we do it differently determines if we have money or not. There's no clear cut definition of being wealthy unless you have surplus and your spending rate no matter how high it is doesn't deplete your reserve, your account or even your savings. Most times it's not how we earn but how we spend and sometimes because we spend so little, *get bargains, get more for having little,* we often come by the illusion that we have money when truly we're just average spenders that has gotten used to the right **spending culture** and this is simply because we haven't really stepped out of our spending culture. Now what does a spending culture really means? 

Now a spending culture revolves around a customised behaviour, a pattern or a rigid idea through which we spend money by. For example when you pay $200$ for food  $7 for electricity, 35$ for transportation, 15$ for writing material and $15 for rent in a month. *This is a spending culture for someone who's probably a student* or *just a person who works and live alone with no extracurricular budgets* and also stipends online and probably single as well because things like baby food didn't come into play. Now this person has developed a spending culture and this might change if he changes location, gets married or even decides to take some extra responsibilities. 

<hr>

## *What Is A Spending Culture?* 

However a spending culture makes you prune your excesses and this is because one doesn't follow a market trend, crave new wants or even develop ostentatious taste for things like designers or Ferraris. However we do not have a specific spending culture as this can be determined by diverse sentimental point of view of different people. For some people, their spending culture revolves around their ideas of what is *"worth"* and what isn't *"worth"* in a few cases *some people develops a constant way of spending money so much that it hardly even changes per month or per annum the amount it takes out of their income or even when prices is keeps inflating,* this is often done when people bargains so well when buying in the market. 

<hr>

![images (1).jpeg](https://images.hive.blog/DQmSx3qw2Rk5aewu1icZbwoT3HaMLvKtMAKvFsTFZeoYQ4W/images%20(1).jpeg)

###### [Image source](https://www.google.com/search?q=choosing+what+to+spend+money+on&client=ms-android-xiaomi-rev1&prmd=vin&source=lnms&tbm=isch&sa=X&ved=2ahUKEwjl2f_d0oPsAhXNRBUIHcoMBisQ_AUoAnoECA8QAg&biw=393&bih=719#imgrc=2htVtPUk4LCbOM)


<hr>

## *Being Wealthy Or Having The Right Spending Culture?*


So people often stay afloat of any financial crisis because they develop the right spending culture. So even when their income increases and they they still stay within this spending culture then they begin to have a feeling that they're becoming rich meanwhile being exposed to maybe a new style or pattern of spending will prove otherwise to them. In essence we're not really rich *(applicable to normal earners)* unless we can exceed our budgets either daily, monthly or annually and still have excessive amount of money with no plans for whatsoever. Spending cultures helps us to be determinant and conscious of how little we have and how it might go a long way. 

<hr>

## *Changes In Spending Culture* 

However Being exposed to a different spending culture changes the narratives. Sometimes we think we spend *a lot* of money meanwhile we actually do not and sometimes we spend *rather less* while thinking we've spent a *whole lot*. In reality this is because we're exposed to two different spending culture which we're not used to. It's often difficult to blend into a new spending culture especially if you're still earning almost the same amount of money we do but then if for example a huge amount of money comes into play then it totally changes our spending culture and we become ostentatious with our spending. In a nutshell it's imperative to understand that our spending culture keeps us at bay sometimes and in our lifetime it often changes with circumstances or stages of life. 


<hr>

<hr>

<hr>



<hr>


> **Interested in some more of my works?**





##### [The Creator/Consumer: What Are The Metrics, The Diversification And The Similarities?](https://hive.blog/hive-167922/@josediccus/the-creator-consumer-what-are-the-metrics-the-diversification-and-the-similarities)



##### [Understanding Egotistic And Ambiguously Confused People And How They Can Undermine Our Relevance. What Effect Can This Bring Us?](https://hive.blog/hive-123046/@josediccus/understanding-egotistic-and-ambiguously-confused-people-and-how-they-can-undermine-our-relevance-what-effect-can-this-bring-us)



##### [The Circumstances Behind Unwarranted Expressiveness; Are We As Humans Under-expressive Or Overly Expressive?](https://hive.blog/hive-123046/@josediccus/the-circumstances-behind-unwarranted-expressiveness-are-we-as-humans-under-expressive-or-overly-expressive)



##### [The Unique Spending Habit Of An Average Or Low Income Nigerian Earner.... (The Money Way)](https://hive.blog/hive-167922/@josediccus/the-unique-spending-habit-of-an-average-or-low-income-nigerian-earner-the-money-way)

 


##### [A Sad Sud Song. (An Original Poetry)](https://hive.blog/hive-170798/@josediccus/a-sad-sud-song-an-original-poetry)


##### [Why Is It Difficult To Start Again When Your Chances Of Success Becomes Too Slim? (3speak Version)](https://hive.blog/hive-148441/@josediccus/tpbqswwb)

<hr>



<hr>




![00000PORTRAIT_00000_BURST20200911180640714-02.jpeg](https://cdn.steemitimages.com/DQmTB2UFDNX5bzqNgJB4neUYHCfRpZaTbmYpeMuWH1QeJY7/00000PORTRAIT_00000_BURST20200911180640714-02.jpeg)







<hr>


**My name is @Josediccus, a young Nigerian student who is a Vlogger, A Psychologist, Poet And Sports Writer/Analyst. I'm using my contents as a process to create shared meaning as well as create expressions through which people on/off hive can relate. I believe content is a process to be enjoyed and relished and I'm up for any collaborations in my field stated above. Cheers**


<hr>


<center>



#### @Josediccus, your brother-in-pen & heart

<hr>

*I'm hoping to reach more people who are broken at heart and spirit, so share on any platform or reblog*

<hr>

### [My Twitter handle](https://mobile.twitter.com/PERCIVAL_JOEY)



</center>

Posted Using [LeoFinance](https://leofinance.io/@josediccus/understanding-the-phenomenon-of-spending-culture-the-reason-why-an-average-earner-feels-rich)