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Chrometophobia, or the fear of spending money

Chrometophobia, or the fear of spending money

There are some phobias which, although still little known, can cause serious consequences for those who suffer from them. One of these, increasingly important, with the increasing costs we have to deal with nowadays, is chrometophobia. So the irrational fear of spending the money and the anxiety that it will run out.

A phobia that leads to isolation and the limitation of any activity and experience to a minimum, to avoid the situation of having to spend.

What is chrometophobia?

Chrometophobia is a phobia that is not recognized as a disorder or pathology by the WHO (World Health Organization), but can be categorized among the specific phobias that the Diagnostic and Statistical Manual of Mental Disorders (DSM-5) defines as: persistent, irrational fear, intense (phobia) related to specific situations, circumstances or objects.

Causes and origin of chrometophobia

Psychology has not discovered clear causes of chrometophobia. In fact, there can be different reasons at the origin of a phobia. Often, people are conditioned by negative experience or trauma with the object of fear. In fact, in many cases, chrometophobia can be the result of experiences with money that have caused a problem or trauma.

A person affected by the fear of spending money may have suffered a robbery in the past, or have had serious financial problems.

In some cases, chrometophobia originates from a simple tendency to save, which turns into a real phobia. Once fear sets in, changes occur in the brain that reinforce the behavior of not spending money, which in turn reinforces the phobia and anxiety that comes from facing financial expenses.

Symptoms and manifestations

Chrometophobia, like all phobias, has manifestations that are revealed not only at the psychic and mental level, but also at the physiological level.

Phobias and fears usually have psychosomatic effects, which means that, in order to solve physical problems and avoid consequences, even disabling ones in everyday life, a cure must be found first of all on the psychological level.

What are the symptoms?


mood swings;

sleep disorders;

in more severe cases, depression.

Remaining on the mental level, those suffering from chrometophobia can also show symptoms on a cognitive level, with extremely negative and irrational thoughts related to money, signs of frustration and anger at not having control of the situation.

Physiological symptoms

On a physical and physiological level, some signs appear when sufferers find themselves in the situation of spending money, common to various phobias:

tachycardia, rapid heartbeat;

increased blood pressure;

shortness of breath, feeling short of breath and shortness of breath;

increased sweating;

nausea or stomach pain;

muscle pain.

Consequences and risks

Apart from the psychophysical symptoms that can appear in a person suffering from chrometophobia, it is the consequences in everyday life that cause the most concern. Being afraid and anxious about spending money also means not being able to distinguish the necessary expenses, the primary goods, from other expenses that you can forego. This can lead to serious consequences on a person's quality of life and even health problems.

One of the first sacrifices of those who suffer from chrometophobia is their social life: expenses to eat, to play, to go to the gym, to go to events with friends or family, to go on vacation, are all taxes that have to be paid. .

In addition, the disproportionate fear of spending money is not understood by everyone and can lead to problems and arguments with others, even with loved ones, or at the workplace. One of the most frightening consequences, both because of the symptoms and the consequences in everyday life and relationships, is isolation, which can greatly harm people, also causing the beginning of drug addictions and abuses.

Can chrometophobia be cured?

Like all phobias, chrometophobia must be treated primarily from a psychological and emotional point of view. You can learn the most appropriate type of therapy to better manage your phobia.