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You’ve heard a lot of people tell you the importance of saving money. You’ve read a lot of articles on how to save it, too. Personal finance has become more accessible than ever but for some reason, saving money is still easier said than done. Perhaps because you’re surrounded with different types of toxic people without you knowing it?

Similar to losing weight, saving money is a commitment that requires discipline and hardwork to successfully pull off. And in the process, you’ll have to avoid certain types of people the way you have to avoid certain types of food. Here’s a quick guide so you can start saving today. 

Types of Toxic People You Need to Avoid

Your Kalabit-Penge Friend

types of toxic people - kalabit penge friend

Think about it: the concept of having a needy friend has been ingrained in Filipino culture that it has its own term. At one point, you were friends with someone who only hangs out with you when you’re loaded. The kalabit-penge friend usually asks you for a lot, ranging from food to even money. Those harmless “Libre ka naman!” quips could end up costing you.    

So if you’re still friends with someone with the same MO, send him or her a big FO and GTFO as far away as possible. You don’t need a leech when you’re planning to save as much money as possible. Prioritize avoiding these types of toxic people who will surely derail the financial plans you’ve made. Instead, spend more time with friends you trust the most.

Read more: What Type of Spender Are You? Discover Your Money Personality

Your Judgmental Relative

types of toxic people - judgmental relative

Admit it or not, everyone of us has a few relatives we don’t want to talk to during family gatherings. They will either say you gained weight or demand where your significant other is. But the worst they can do is discourage you from reaching your financial goals. They will either flaunt their wealth or say you can’t do it because you’re not them. That totally sucks. 

Luckily, these types of toxic people are fairly easy to avoid: just don’t talk to them. But the problem lies when they are your neighbors or worse—they’re living with your family. In that case, you should try to avoid talking to them about your financial goals. Don’t let your judgmental relatives tear you down and distract you from achieving the best version of you. 

Your Party Animal Coworker

types of toxic people - party animal coworker

Also known as bad influence personified, the party animal coworker is that one guy or gal who always suggests a night out after clocking out of work. They expect you to enjoy partying like they’re the ones paying for it. Even in the work-from-home era, they still influence everyone to have online mukbang sessions, prompting you to spend more on food deliveries. 

So if you want your wallet to stop scolding you, avoid hanging out with your party animal coworkers after you log out. Find all the strength in the world to refuse their advances and let your FOMO subside when you focus on all the money you’re saving while they are out there having fun. When you’re all set up financially, you can have all the fun you want.

Read more: How Millennials Can Prepare for Financial Independence

Your Crush

types of toxic people - crush

Okay, you don’t have to necessarily lump your crush with the other types of toxic people on this list, but you still have to avoid your crush for the meantime. If you committed yourself to saving a certain amount of money, your love life has to take a break as well. You can’t give yourself to two life-changing commitments at the same time. Why? Because dating costs money.

Think about it. Making a good first impression will already cost you a lot: new clothes, grooming costs, all that stuff. And how about the date itself? It’s not like fine dining doesn’t cost an arm and a leg. Even online dating can still cost you money in internet bills or mobile data. Remember: love comes and goes, but financial stability is worth working hard for. 

Your 2 A.M. Self

types of toxic people - 2 am self

Bet you didn’t see this twist coming. If there’s one thing How I Met Your Mother taught us, it’s that nothing good ever happens after 2 a.m. But thanks to revenge bedtime procrastination[1] or that phenomenon where people sacrifice sleep for some more me-time at night, online shopping sprees tend to happen at midnight, along with other incredibly ill-advised life decisions.

Yes, you should also distance from the toxic version of you when you’re trying to save money. Because sometimes, you are your greatest enemy. To avoid your 2 a.m. self, the solution is simple: get a good night’s sleep. Aside from saving yourself from the allure of online shopping apps, it will also give your brain a rest, leading to better decision-making the next day.

Read more: 5 Money Lessons I Learned During the New Normal

Final Thoughts

Discipline is the name of the game when it comes to saving money. Even if you set aside a huge portion of your monthly earnings, you won’t be able to save up if you don’t have the discipline to back it up. Shed these types of toxic people from your life and you’ll be able to enjoy the fruits of your labor in no time.

Back to the main article: 55 Tips on Saving Money: The Ultimate Financial Hacks List

This article also appeared in The Manila Times.

[1] What is “Revenge Bedtime Procrastination”? (Sleep Foundation, 2021)