Spender

Hey Big Spender! 🎵 That dream trip to Queenstown or a new gadget? You’re on it, cash or not.

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You’re all about living large!
Why wait when you can enjoy now?

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Debt’s just a tool to keep the good times rolling.

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Optimistic
Tomorrow’s cash will sort itself; today’s what counts.

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Social Cred

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30,000+ Customers

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Spender

Learn more about your Money Personality

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Spenders turn money
into memories.

Wanna learn more about SMB?

Bold

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Full-on living

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Your Personality Traits

Bold

You dive into purchases head-first – life’s too short to hesitate

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Generous

Treating mates or whānau to a round? That’s you.

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Optimistic

Tomorrow’s cash will sort itself; today’s what counts.

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Benefits of the Spender

Full-on living
That emergency fund means you sleep easy.

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Quick recovery
You’re rarely caught owing anyone, keeping stress low.

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Social cred
Your generosity makes you the life of the party.

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Blind Spots of the Spender

Overspending
That $1,500 trip could’ve been $1,200 – plan better.

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Debt creep
Easy borrowing (even from SMB) can pile up if unchecked

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Savings gap
Zero buffer means income dips hit hard – 1 in 5 face this yearly (TransUnion, 2023).

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What Makes This Personality Type Unique?

Spenders turn money into memories.

While others hoard, you’re out there making life epic. Your fearless vibe means you grab opportunities others miss, like that last-minute gig ticket or a spontaneous roadie.

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At SMB, we get you
Use SMB’s flexible, lower-rate loans to snag early deals (like travel deposits) instead of draining your card.

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How to Succeed/
Win in Life

Embrace your vibe but add a sprinkle of strategy.

Stash 10% of each paycheck into a “fun fund” so you’ve got cash for spontaneity without the stress. Financial freedom for you is enjoying now and later – balance the buzz with a backup.