{"id":11805,"date":"2020-04-30T09:00:54","date_gmt":"2020-04-30T07:00:54","guid":{"rendered":"https:\/\/my-life.lu\/?p=11805\/"},"modified":"2025-04-01T09:27:57","modified_gmt":"2025-04-01T07:27:57","slug":"do-you-have-happy-money-51032","status":"publish","type":"post","link":"https:\/\/my-life.lu\/en\/do-you-have-happy-money-51032\/","title":{"rendered":"Do you have \u201chappy money\u201d?"},"content":{"rendered":"

Can money actually buy happiness? The answer appears to be yes, at least when we use it in a way that aligns with our deepest hopes and dreams and when we see it for what it is: a means rather than an end. In this article, myLIFE will help you to identify how you feel about money, which plays a pivotal role in determining whether your financial decisions are \u201chappy\u201d or \u201cunhappy\u201d.<\/p>\n

As the old saying goes, money can\u2019t buy happiness. While there is a grain of truth in this, most of us recognise that this proverb is a little naive. That\u2019s why we often tweak the phrase slightly, saying \u201cmoney can\u2019t buy happiness, but it helps\u201d. In modern society, we all need to generate a certain level of regular income to meet our basic needs and ensure a stable home life. These two factors are essential to our well-being.<\/p>\n

While that much goes without saying, gaining a deeper understanding of our relationship with money and learning to spend and invest based on the things we really care about can make our whole family happier. The key question is this: what kind of relationship do you have with money?<\/p>\n

Here are a few ideas to help you find the answer so that you can turn money into a source of satisfaction rather than frustration. Let\u2019s start with a simple exercise suggested by Japanese author Ken\u00a0Honda in his book Happy\u00a0Money.<\/p>\n

Ready? Pull up the list of transactions in your online bank account and assess what you see: incoming payments, outgoing payments, standing orders, etc. Instead of focusing on your account balance, try to look at each financial movement and its root cause. How do you feel? Is what you see causing you satisfaction, contentment, worry, anger or frustration? In short, do you have \u201chappy money\u201d or \u201cunhappy money\u201d?<\/p>\n

If frustration is your overriding emotion when you look at your bank account, it\u2019s time to think carefully about your lifestyle.<\/p><\/blockquote>\n

Frustration: a red flag<\/h2>\n

Don\u2019t dismiss your emotions \u2013 this exercise is more consequential than it seems. In fact, it\u2019s the first step to recognising the disconnect between the way you use money and your deepest hopes and dreams. If frustration is your overriding emotion when you look at your bank account, it\u2019s time to think carefully about your lifestyle.<\/p>\n

When it comes to having our car serviced or making monthly repayments on the mortgage for the home we\u2019ve chosen to buy, everyone should be able to pay with a smile, or at least a certain degree of indifference. If that\u2019s not true for you, you need to stop thinking that your issue is a lack of money. It\u2019s better to take a moment to ask yourself whether your car actually matches your needs and aspirations. Similarly, if your house is too big and always in need of renovations, ask yourself whether it\u2019s causing you more hassle than happiness!<\/p>\n

Our relationship with money and lifestyle preferences are dictated in large part by social norms.<\/p><\/blockquote>\n

Do you think questions like these are only for people who don\u2019t have actual money troubles? You\u2019re mistaken. Whether we\u2019re aware of it or not, our relationship with money and lifestyle preferences are dictated in large part by social norms. And it is this very fact that stands in the way of us having a happy relationship with money. Are you working towards your own hopes and dreams or just trying to keep up with the Joneses?<\/p>\n

Improving our understanding of the relationship between money, wealth and happiness is a subject that fascinates economists, and decades of research have yielded interesting findings. One key figure is the father of the economics of well-being, Richard Easterlin, who identified his eponymous paradox in 1974. He demonstrated that the happiness of the inhabitants of a country increases as its GDP rises, but only up to a certain threshold: the point at which citizens have all of their basic needs met. Once this is achieved, the relationship between wealth and happiness is no longer so clear-cut and it can even reverse. An even stranger finding is that raising everyone\u2019s income doesn\u2019t increase everyone\u2019s happiness. In fact, the opposite is true.<\/p>\n

In short, it turns out that interdependent preferences and social norms are key.<\/p>\n

How to keep money in perspective<\/h2>\n

The social norms we try to conform to change as our resources grow. Specifically, as your income increases, the material standards on which your assessment of your own well-being is based are likely to shift accordingly, and your aspirations will move closer to those of a \u201chigher\u201d social class. Why? Because you\u2019ll be comparing yourself with a different social group whose lifestyle is at least as luxurious as your own, if not more so. And depending on the group you\u2019re comparing yourself with, you may become increasingly frustrated despite having a higher income.<\/p>\n

Sure, you were able to splash out on the new car you wanted. But after you\u2019ve moved to a posher neighbourhood, you\u2019ll discover that your neighbour has just bought an even flashier model. This can make you feel disappointed, despite the fact that your circumstances have objectively improved. If you\u2019re not careful, you may fall into the trap of thinking that a higher income is the key to happiness. This will set you off on an endless rat race of \u201cmore, more, more\u201d with no hope of satisfaction.<\/p>\n

What will happen if you carry on down that road? You\u2019ll manage your finances on the basis of sadness, anger and frustration. Rather than seeing spending as a necessary, positive process that moves you closer to your long-term goals, you\u2019ll experience each outflow as another hurdle in the rat race and each inflow as never enough. Slowly but surely, you\u2019ll develop a very unhappy relationship with money.<\/p>\n

What makes us happy is not earning more, it\u2019s being able to control our relationship with money.<\/p><\/blockquote>\n

If you have followed our reasoning thus far, you\u2019ll see why it\u2019s not the simple fact of earning more money that makes you happy. Instead, it\u2019s the extent to which you are able to control your relationship with money. When you make a financial decision, you should always bear in mind that money is a means and not an end in itself.<\/p>\n

In this regard, it\u2019s always helpful to take a step back to ask yourself whether the money you\u2019re making is enough to meet your most deep-seated needs or whether, instead, it\u2019s actually standing in the way of your happiness. It\u2019s crucial to be able to identify your emotions when it comes to money. If negative emotions crowd out everything else, they\u2019ll have an adverse effect on the way in which you make financial decisions. You will run the risk of chasing after a social norm rather than calmly progressing with your plans and aspirations. How would you rather live? The choice is yours.<\/p>\n","protected":false},"excerpt":{"rendered":"

Can money actually buy happiness? The answer appears to be yes, at least when we use it in a way that aligns with our deepest hopes and dreams and when we see it for what it is: a means rather than an end. In this article, myLIFE will help you to identify how you feel … <\/p>\n

Continue reading “Do you have \u201chappy money\u201d?”<\/span><\/a><\/p>\n","protected":false},"author":11,"featured_media":11802,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","beyondwords_generate_audio":"1","beyondwords_integration_method":"","beyondwords_project_id":"44704","beyondwords_content_id":"4c752929-8fd7-44b4-b567-c090a7b999fe","beyondwords_preview_token":"9a2c19f1-8929-4844-a854-bd38fe975e2e","beyondwords_player_content":"","beyondwords_player_style":"standard","beyondwords_language_code":"en_GB","beyondwords_language_id":"50","beyondwords_title_voice_id":"775","beyondwords_body_voice_id":"775","beyondwords_summary_voice_id":"775","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_status":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[37,137],"tags":[415,585],"class_list":["post-11805","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-me-and-my-family-en","category-budgeting-en","tag-budgeting","tag-contact-en","my_family"],"yoast_head":"\nDo you have \u201chappy money\u201d? 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