Personal Finance Series: No 8 – The Nasty Truth About Nesting

Most people have heard of the phrase ’empty nesters’ to describe a stage of family life when the kids leave home, but very few people who are considering personal finance budgets, or creating a personal finance worksheet would ever think that the whole process of building a home environment could be dangerous.

Nesting behaviour is most prevalent among pregnant women, many of whom report a deep need to clean, organise and rearrange their homes before the arrival of their baby. It carries on throughout and beyond this very specific event though.

Nesting behaviour, contains some very subtle and very nasty dangers. It is an emotional driver which is responsible for stamping our personality on the interior of our houses, and it is responsible for making a house a home. There is such a spread of spending over time that very little other than a personal finance spreadsheet, or a home budget worksheet would be capable of keeping track of the consequences of nesting.

Nesting: Why We Do It

When it comes to paying attention to the cost of this behaviour, there are several areas to think about, and collating the information about them can be easily done with an online budget service from any organisation which offers advice about personal finance online.

Nesting behaviour is all about building, making comfortable, and positive, pleasant emotions – and theses areas are specifically targeted by companies and services with things to sell

Nesting: How We Do It

Decorating and Styling – People are visual and the impact of colour in the environment is proven to translate into mood, emotion and thinking. We subconsciously judge others by their wallpaper, carpets and interiors, and fuel whole industries of professional and retail decorators.
Nesting is also about filling the house with the appliances, brands, and themes in curtains, textiles, glassware, pictures, furniture and fittings.
Modern life also permits many to buy in domestic services from gardening, pool cleaning, home cleaning, domestic staff, laundry and window cleaning – all to ‘feather the nest’
Nesting: The Nasty Truth

Many retailers and professionals compete for their share of this spending behaviour, and in doing so, offer payment plans, loans, and other financial vehicles – often at the point of purchase, right there in the store.

You are sitting on the sofa, the bed or the furniture while the salesperson talks you through the payment options and you will convince yourself that this is what you need therefore it is affordable. Spreading payments always seems like a great idea.

The nasty truth lies in the fact that nesting is reinforced through advertising, peer group pressure, magazines and our social circles. This means we are in a constant state of needing to either conform or keep up- and this applies exceptional pressure to the budget.

Housing Nesting is only one of the 14 ways in which our mind thinks about spending money. The only way to keep track of what this spending behaviour is and it’s impact of to use personal finance budget software online which can keep the details securely tracked over time without the need to transfer the data from machine to machine, from personal finance worksheet to home budget spreadsheet. Nesting is nice, but has a nasty bite if unchecked.

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