If you have a desire to improve your money flow, you have no doubt read many articles about Prosperity Consciousness and how to get it. If all of this research and its application has made little long term difference to your financial flow, then you may well benefit from this article.

After researching copious numbers of articles, books, websites and newsletters over several years, I decided that something was missing. The focus was on money struggle as a whole, but there was little, if anything that identified the different types of money struggles that existed and therefore the needs of those different people. In the end, I identified two broad types money behaviour, and the people wth these behaviours I have named the Hoarders and the Squanderers.

The Hoarder

Hoarders are those people who hold on tightly to money. They feel as though every decision to spend money must be thought out carefully. They have difficulty letting go of any money in case no more money will be there to replace it. In the extreme, these people can reach a place where they are too frightened to make a decision regarding spending money (especially on more expensive items such as cars, computers, houses). These people often have large control issues, for example, if they do give someone a gift, there will often be certain expectations and strings attached.

Hoarders will also often be very structured in their life. Although some may appear messy, they will know exactly where every thing is and don't appreciate others telling them how to manage their affairs.

Hoarders are very much in their Left Brain focus (the place of logic and structure) and will benefit from Right Brain work such as creative expression. Hoarders will also benefit from exercises such as The Prosperity Game available to participate on-line, where the focus is on learning how to spend money freely and also how to deal with any emotional reactions that may surface from this theoretical activity.

The Squanderers

The Squanderers have a different but equally unhealthy approach to money. They tend to let money go too easily or often spend it as soon as they get it, even when they know they have bills and expenses coming up. Squanderers tend to have little or no savings and spend there entire life in fear of not having enough money to pay the bills. Squanderers have little or no structure implemented and tend to have difficulty functioning well in day-to-day life. Squanderers will also often have issues with Time and Self Management (for example, many Squanderers will have weight issues as well).

Squanderers are very strongly in their Right Brain focus (the place of creativity and flow) and will benefit from Left Brain work such as developing their structure as in NLP (Neuro Linguistic Programming) and learning how to manage their life with tools such as Goal Charts, To Do lists and Schedules.

Prosperity exercises such as the Prosperity Game do not help the Squanderer, they are already great at spending, their difficulty tends to be more about sitting still with money and avoiding fulfilling instant gratification urges.

Using This Knowledge

By looking at your money behaviour, you should be able to identify which of these two Profiles describes you best. Once you've identified whether you are a Hoarder or a Squanderer, you can then approach the abundance of Prosperity Consciousness Literature with a clearer focus on what you need to develop and manage within yourself.

Daniella Breen B.Sc.(Psych) is a Spiritual Coach and runs an on-line College, http://www.shamangoddesscollege.com with courses in prosperity consciousness and manifestation skills amongst other training.