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What's Your Money Personality Type  ?

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Quiz Questions

  • 1.
    After getting paid, in which order do you spend your money?
    • A.
      Save/Invest, Pay bill, Buy things I want, No debts
      (Correlates to: The Saver)
    • B.
      Buy things I want, Pay bills, Debts can wait, What's savings?
      (Correlates to: The What Now? )
    • C.
      Buy things I want, Pay bills, Pay debts, Save/Invest
      (Correlates to: The Splurger)
    • D.
      Pay bills, Save/Invest, No debts, Buy things I want
      (Correlates to: The Planner)
  • 2.
    You're due for an upgrade on your phone. Your current one still works but you’ve had an eye on a newer version. You decide to...
    • A.
      Get the upgrade… after all, you’ve had the old phone for so long and the new one looks awesome.
      (Correlates to: The Splurger)
    • B.
      Keep the old phone as long as you can -- every month you put off the upgrade, you’re saving money towards a new phone.
      (Correlates to: The Saver)
    • C.
      Yep Upgrade me! I guess I could sell my old phone if I have to.
      (Correlates to: The What Now? )
    • D.
      I knew I was due for an upgrade but my phone still works well. I will upgrade, but not right now. 
      (Correlates to: The Planner)
  • 3.
    It's time to go grocery shopping. Do you:
    • A.
      Write a carefully constructed grocery list and price compare different stores
      (Correlates to: The Planner)
    • B.
      Go to the nearest store with a general idea of what you need...you'll figure it out when you get there.
      (Correlates to: The What Now? )
    • C.
      Buy what’s on sale...you can get creative with recipes!
      (Correlates to: The Saver)
    • D.
      Who has time to grocery shop? Or to cook? Order in instead!
      (Correlates to: The Splurger)
  • 4.
    Congratulations-- you got a bonus at work! What do you do with the money?
    • A.
      Pay off any debts first then put towards saving/investments.
      (Correlates to: The Planner)
    • B.
      Splurge on a night out or new outfit to celebrate.
      (Correlates to: The What Now? )
    • C.
      Straight to the retirement fund.
      (Correlates to: The Saver)
    • D.
      Go shopping or plan a holiday — it’s well deserved!
      (Correlates to: The Splurger)
  • 5.
    You’ve decided to stick to your resolutions this year and get into better shape. You...
    • A.
      Sign up at the closest gym to your home or office so there’s a chance you’ll actually go.
      (Correlates to: The What Now? )
    • B.
      Kick off your plan with new workout clothes from the mall for extra motivation.
      (Correlates to: The Splurger)
    • C.
      Who needs to pay to work out? I can exercise outside or at home for free!
      (Correlates to: The Saver)
    • D.
      Do your research — take advantage of free trial weeks and search for the lowest monthly rates in the area.
      (Correlates to: The Planner)
  • 6.
    Your friend’s birthday is coming up and you’re low on cash. You decide to...
    • A.
      Make them something homemade...a DIY gift is thoughtful!
      (Correlates to: The Saver)
    • B.
      Buy them an expensive present you know they’d like...you’ll figure out a way to pay it off later.
      (Correlates to: The Splurger)
    • C.
      Organize a group gift with your friends — that way you can all split the cost!
      (Correlates to: The Planner)
    • D.
      Take them out for a coffee or a drink -- it’s the remembering that counts, and we get to spend some time together.
      (Correlates to: The What Now? )
  • 7.
    Your friends are planning a dinner out but you’re dangerously close to exceeding your budget for the month, do you:
    • A.
      Luckily I have some fun money set aside for these type of occasions.
      (Correlates to: The Planner)
    • B.
      Ask a friend if they can pick up your tab — you’ll get them back next time!
      (Correlates to: The Splurger)
    • C.
      What do you mean ‘budget’? If everyone’s going out, I want to be there - I’ll just fill up on bread and order something cheap if I’m short on funds this week.
      (Correlates to: The What Now? )
    • D.
      Decline, send my apologies and offer to host a dinner party next time instead.
      (Correlates to: The Saver)
  • 8.
    You find the perfect home, but the rent is way out of your price range. Do you:
    • A.
      Look for a roommate to split all the costs with.
      (Correlates to: The Saver)
    • B.
      Sign the lease anyway and hope for a raise.
      (Correlates to: The Splurger)
    • C.
      Keep looking, expanding your search to cheaper areas or smaller places-- a nice place isn’t worth going broke over.
      (Correlates to: The Planner)
    • D.
      You love it too much to let it go, so you take on a part-time job to make up the difference.
      (Correlates to: The What Now? )
  • 9.
    A new bill arrives, do you....
    • A.
      Avoid looking at it, your afraid to know how much it is. 
      (Correlates to: The What Now? )
    • B.
      Pay it immediately, you've been planning for it anyway. 
      (Correlates to: The Planner)
    • C.
      Work out who you can borrow money from to pay it. 
      (Correlates to: The Splurger)
    • D.
      You go with the flow and pay what you owe.
      (Correlates to: The Saver)
  • 10.
    Your child is BEGGING for a new toy he saw somewhere, and he’s been a really big help lately. But it’s over $100. You...
    • A.
      Tell him he’ll have to wait until his birthday or put it on his Christmas list -- let Santa deal with it!
      (Correlates to: The Saver)
    • B.
      Help him count what's in his piggybank and encourage him to save up the rest to buy it for himself.
      (Correlates to: The Planner)
    • C.
      Just put it on the credit card. He’ll love it so much, and he’s only this age once -- it’s worth splurging for even if it’s more than you can afford right now.
      (Correlates to: The Splurger)
    • D.
      Tell him it’s too expensive, but you can't deny him. You'll take a few extra shifts at work if it comes to that. 
      (Correlates to: The What Now? )

Quiz Outcomes

  • 1.
    The Splurger
    Life is too short to deny yourself pleasures small and large. You're often careless with your money in the pursuit of happiness, and you know full well you'll have to pay for it eventually. Just remember, if you're not careful, you could end up drowning in debt, missing out on the fun, and regretting some of those reckless purchases.
  • 2.
    The Planner
    You are a Master of your Money!!! You know how much money you need to pay your bills on time, you have a plan for both your short and long term goals. You also have money set aside each week for fun and incidentals. You wouldn't call yourself either a Saver or a Spender. You always way up your options, have a plan for unexpected expenses that might arise and make well informed financial decisions. Congratulations! Keep up the good work.
  • 3.
    The Saver
    The Saver: You've got your mind on your money (and your money on your mind). You've got a frugal mindset and your financial instincts are sharp: You know where every dollar goes and why, and you're making steady progress toward your long-term goals, even if it means sacrifices along the way. For some savers, keeping an eye on every dollar can be all consuming. While saving and knowing what you want is great, it is always best to achieve a balance and enjoy some of life's pleasures along the way.
  • 4.
    The What Now?
    You don't pay much attention to your finances and so long as no debt collectors come knocking on your door you're happy to stay that way. Ignorance may be bliss, but chances are it will all catch up with you eventually. One day you will end up wishing you had paid attention, avoided debt, saved and planned so you could buy a house or retire comfortably one day.