Money Quiz

Circle the letter that best describes your probable action in each situation. Use the table on the back page to determine your money personality.

1. If $20,000 came to me unexpectedly, my first impulse would be:

To spent it on things I really want, including gift for others.

To put in my saving account.

To feel so overwhelmed that I’d put off making decision about it for while.

To feel so relived that could cover my daily expenses and pay back my debt.

2. My goals about money are:

To save enough of it now so I never have to worry about my old age.

I don’t have goals; I just hope for the best.

To have enough to ensure that I can buy whatever I want.

I have goals, but I am concerned I won’t achieve them.

3. When it comes to following a budget:

I rework my budget often to figure out ways to have more money to save.

I enjoying following mine closely.

I hate the word budget. I prefer spending plans!

I don’t have a budget and never want one. My money will take care of itself.

4. When it comes from spending money:

I loss sleep thinking/worrying that I won’t have enough money to take care of unexpected expense.s

I’d rather save my money than spend it. Spending money makes me nervous.

I don’t follow where my money goes and I don’t want to. There are more important things in life.

I tend to spend more than I earn.

5. As for as credit cards are concerned:

I prefer not to have credit card at all. I have one and pay the balance of monthly.

I tend to use credit card often and make the minimum payment.

I don’t mind using the credit card as long as I can pay them off quickly.

I don’t take much notice of credit cards. I often forget to pay even the minimum payment until I get a warning notice.

6. When it comes to providing for emergencies:

I don’t have enough saved to provide for emergencies; I just hope for the best.

I keep thinking that I’ll have enough to start saving for emergencies soon; but I’m not quite there.

I’ve put aside a sizable amount for emergencies, but I’II still worry about them!

I try to save regularly for an emergency fund.

7. When I want a certain item, but it’s not within my budgets:

I will decide that I don’t really want it.

If I want it, I will buy it. I can figure out a way to pay for it later.

If the item is important enough, I will buy it. If not, I will forget about it and try not to give it much through

I may buy it, but I will worry about how to pay it off.

8. When I am feeling down in the dumps, spending money:

Is the last thing I want to do; putting more money in savings might lift my spirits

Always cheers me up.

Is not what I think about to cheer myself up.

Just give me more things to be anxious about.

9. I would take a bank loan under this circumstances:

To pay of debts or go on vacation.

To buy a home or set up/expand a business

I hope I never have to borrow money because I don’t like dealing with more bills.

I resist borrowing money; I worry about how I will pay it back.

10. If I won a million dollar in the lottery, my first reaction would be:

To be very happy & pleased, and very relived about my future security

To be totally overwhelmed. I would have no idea how to handle it.

To feel shocked, a bit overwhelmed; and confused about how can I use it.

To be wildly excited, realizing that from now on I could buy anything I wanted

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Money Personality Quiz

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Money Personality Quiz

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