What are Your Values in Money Management?

My family members support my decision, and the vehicle will serve all our needs as a family.

I want a vehicle that is reliable and gets me to where I am going with the least amount of trouble.

I will weigh the costs and benefits of each vehicle and choose the one that fits my budget the most.

I make enough money to afford the vehicle I love to drive even if the gas mileage is not great.

A place where I can make new friends (and/or my children can find friends and playmates).

A home in a location where I can enjoy more quiet and privacy.

A home in a nice neighbourhood that will appreciate in value.

A home that offers more space, more amenities or more modern features than my present home.

My reputation and credit score

How this mistake could have possibly happened and what I need to do to prevent this from happening again

Where I can get the money needed to make the payment

The impact this might have on my partner or family.

To prevent bankruptcy or severe financial strain due to medical bills

To protect against loss of home, material things or lifestyle.

To protect the well-being of family and loved ones.

To be able to enjoy life regardless of major health event

Whether the new job will pay enough so I can cover the costs of my lifestyle

Finding work that allows me to help people and enjoy my colleagues

The total financial package: pay, health benefits and retirement

Having opportunities for personal fulfillment and challenge in my work.

Does my house fit my lifestyle?

Do I have enough to comfortably make a down payment and handle monthly installments without much worry?

Will my house have enough space to create the ambience and accommodate the furniture I want?

Can my house allow my family and I to bring friends over and entertain them?

Consider taking a trip around the world and enjoy myself thoroughly.

Analyse investing in different investment tools and their returns

Fund a need, wish or desire of a family member

Upgrade to a new house with all the amenities I have always wanted

Well-established and responsive.

Not readily accessible.

Something I haven't really thought about.

In place but loosely organized.

The future needs of my partner, adult children and grandchildren.

Retirement calculations to give me a benchmark number to target my savings for later life.

My desire to live an intellectually and physically fulfilling life even in old age

My desire to live a comfortable lifestyle in a beautiful place and with a pleasant community during retirement.

To be able to accomplish my dreams and the world sees how they reflect my core being.

To know my family is happy and proud of what I do.

To know that my accomplishments reward me financially and allow me to live a comfortable lifestyle.

To be able to have the means to do whatever I want whenever and wherever I want.

I reflect on whether I have treated myself lately and then make my decision.

I recall the commitments I have made to others and consider if I should buy the item.

I tend to buy what is on my list unless the item offers serious savings and is something I know will be needed in the future.

I think about how well it will fit with what I already own and enjoy.

The ability to earn a living and maintain a lifestyle.

Freedom to share the company and affection of others.

The foundation of financial security and wealth accumulation.

Freedom to pursue my dreams and goals.

The opportunity to share the trip with the person (or persons) I care about and enjoy being with.

The chance to see new places, architectures, cuisines and lifestyles.

Fulfilling my desire to do whatever I please during my vacation.

The likelihood that the enjoyment will be well worth my investment.

I will figure out how to adjust my budget so I can afford it.

I will figure out a way to afford something like that in the future.

I might buy on impulse and experience serious “buyer’s remorse” later.

If I think it will enhance my family or social life, I will sacrifice to have it, even if it means working extra hours.

They know that family and community are top priority in my life.

They learn a lot about who I am and what I care about.

They cannot tell whether I am financially successful or not.

They know I take pride in looking and feeling good.

Rationally and unemotionally, like making business decisions.

On the basis if they support a good quality of life. 

After discussing with my family members or friends whom I trust.

Independently and privately, unlikely to discuss them with others.

A lifestyle in which I have what I need to be comfortable over the long term.

A diversified and sound investment portfolio and a home that is not mortgaged up to the hilt.

Family and friendship, and a sense of community that will last a lifetime regardless of what happens.

Having achieved a sense of accomplishment and the freedom to be who I really am.

Be independent, coming and going as I please and living my life as I see fit.

Share many common interests with family and friends who live close by.

Pay off my mortgage quickly because I want to own it free and clear as soon as possible.

Make any changes I would like to expand, remodel, improve or redecorate in the future.

Live my life independently without worry.

Share in the activities my family and friends enjoy without stressing my budget.

Keep my expenses as low as possible while building financial security for the future.

Buy the things I like most and enjoy a comfortable lifestyle.

Having control over the medical providers I can use.

A strong referral by a trusted family member or friend.

Lower deductible and co-pays for more extensive coverage.

Allowing me to access wellness and preventative care.