This week, we learned about the Big Five, which are the most distinctive and commonly understood personality traits we share throughout the world. They are openness (how open you are to new things), conscientiousness (how responsible and careful you are), extraversion (how sociable and lively you are), agreeableness (how well you get along with people), and neuroticism (how anxious and worrisome you are). We were supposed to take a personality test before class and thanks to this test I got to know a little more about myself. While reading more about personality traits I found something interesting so I would like to share that with you. If you scored high on agreeableness or if you know someone who is quite agreeable in your life it might be good for you to read this article.
According to the Journal of Applied Psychology, agreeable people are more likely to be in trouble in money management related situations. Researchers from Louisiana State University (LSU), Texas Tech University and Northern Illinois University found out that people who are conscientious have better credit than people who are agreeable. One of the researchers from LSU, Jeremy Bernerth, explained that people who are more agreeable tend to agree on co-signing loans for their friends or family upon requests. They also tend to have a hard time saying no to store clerks when asked for additional credit cards. Professor Karen Pine from University of Hertfordshire who is an author of Sheconomics commented that easy going people tend to feel discomfort when they switch bank accounts or have to say no to people who ask them to sign up for membership card that cost them membership fees. Apparently saying no to others seems "out of character" to them. She added that in order for you to maintain good credit and strong finances, you need to be tough to various temptations. Interestingly, this study suggested that there is no correlation between bad credit and bad behaviors at work.
If this study reminds you of someone you know in your family or your close friend maybe you can help them. For example, when you go shopping with your friend or family member and someone at a store tries to get them to sign up for a new credit card, you know you can step in and help them!
The British Psychological Society
http://psydb.herts.ac.uk/staff_list/FMPro?-db=staff_list_email&-format=recorddetail.html&-lay=details&-sortfield=surname&-max=2147483647&-recid=33557&-findall=/ University of Hertfordshire