Most people are familiar with the rules of etiquette associated with behavior in a restaurant or in public transport, but not everyone is familiar with the so-called financial or monetary etiquette. Talk about money and manage it wisely. From this follows a series of rules that should not be violated.
This article will focus on life situations and behaviors related to personal finances and other people's funds.
Material Content:
Constant talk about money
Money is an important part of people's lives, but this does not mean that there are no other topics for conversation. Everyone has the right to privacy and may not share information about their financial well-being with anyone. Therefore, do not think aloud about your wealth and ask other people about it.
It is necessary to follow certain manners so as not to be considered ignoramus or boor in society.
Foreign finance
Worse discussion of money is only a discussion of other people's money. It’s not worth talking about someone’s financial opportunities, especially behind. Some people for some reason decided that they had the right to go into someone else's wallet and draw some conclusions based on this.
For example, if someone in a good financial situation does not give a friend a birthday present or walks in cheap clothes, this does not mean that one can discuss his behavior and how a person manages his money.
It is also very impolite to ask others about how much the things they buy are worth. If a colleague comes in new shoes, just praise them, but do not specify the cost. Perhaps the owner will be embarrassed that she ordered them on Aliexpress for nothing.
At the same time, do not flaunt your expensive things. For example, an expensive phone. Especially if it is bought on credit.
Ignoring other people's income
Yes, discussing other people's finances is bad, but you can not ignore information about them, if it is known. Suppose you want to go out with friends to unwind, but not in a regular cafe, but in some refined establishment. Surely not everyone can afford a trip to such a place.
The rules of financial etiquette require special attention to the income of others. So that plans do not break, it is better to verify in advance the capabilities of friends.
Accounting for colleagues
To learn about the financial capabilities of friends is much easier than about the means of colleagues. Sometimes this information is simply necessary.
For example, when someone collects money in the office for a gift to the boss. At first glance, the moment is quite simple, but it is not. By asking too much, you can put some colleagues in an awkward position. For some, the value of the gift will be "unbearable." Someone on the contrary will be able to give more.
Therefore, it is worth being loyal to other people's finances and know in advance who has what opportunities. Or demand from the team exactly the amount that they themselves are ready to give.
Unequal total bill in a cafe
People gathering together in some diner have a tradition of dividing the bill into the whole company so that no one is offended. In fact, there is little justice in this tradition. Someone drank a cup of coffee and ate one cupcake, while someone ordered the first, second and even a dessert.
It will be wrong if someone has to overpay. In such a situation, it is better to divide the bill not equally, but by cost. Anyone who ate 500 rubles, let him pay so much.
Buying services from friends at a discount
Providing paid services to friends is a sure way to ruin your relationship with them. Many people are sure that if their friend is repairing computers, then he is obliged to repair equipment to friends at a great discount, or even free of charge. Naturally, the specialist will not want to lose money and time.
Money etiquette requires respect for other people's earnings. They are given to everyone with great difficulty, so you can not demand discounts even from close relatives. Work is hard, and it must always be paid. If there is no money, then you can provide a mutual service, but do not ask for discounts.
Non-payment of debts
If there is anything worse than a discount requirement, it is non-return of debts. Here are questions for both sides of the transaction. And to the one who borrows, and to the one who gives.
The first must be sure that he can return the money on time. You need to pre-calculate your capabilities, look for additional means of earning, prepare a stash, or even take a small amount so that later there will be no problems with friends.
The second must indicate in advance the period of repayment of the debt and all conditions. Ideally, conclude a contract if it comes to an impressive amount. In this case, it is worth considering what will happen if the debt is not repaid on time.
You can not give money to someone if he himself does not have enough to live comfortably. Friendship is friendship, but banknotes with coins can embroil anyone. Therefore, do not be guided by pity. One must be able to refuse even relatives.
Complaints about problems with money
Some far from poor people have a strange habit of complaining about lack of funds. They complain that they cannot afford an expensive car or clothes from the Central Department Store.
At the same time, they talk about their “problems” with people who do not always find money on the subway. This behavior can be regarded as an attempt to brag. Indeed, it does not occur to these pseudo-beasts to complain to better-off friends.
Such unsubstantiated complaints can hurt the feelings of less affluent people who barely make ends meet.
Other people
It is possible and even necessary to give advice regarding finance, but only when asked about it. Excessive criticism and unsolicited recommendations are a gross violation of financial etiquette.
You should not teach adults who have taken a mortgage or bought an expensive car. It is not known what position they are in, what they have money for, and what not. They should not be criticized. Firstly, it is impolite. Secondly, it will not affect people in any way.
You can teach only your children. It is important to train them in financial literacy and talk about savings so that they do not waste money. Adults, held people do not need to be taught, they will decide where they spend their money.
