What is YOUR spending type?

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Quiz Questions

1.
Your boss gives you a $1,000 bonus. What do you spend it on?
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- A.
  I put it in my emergency fund. You can never be too careful!
- B.
  I just put it in my bank account, I guess. I don’t know what to do with it!
- C.
  I spend it online shopping!
- D.
  I put it towards my grocery shopping!
2.
You’re out for dinner with friends. When the waitress brings the bill, you…
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- A.
  Don’t say anything unless they ask. I’m trying to save my money, remember?
- B.
  Bill? What’s that? I’ve already made an excuse to leave a few minutes early to avoid any of the money talk.
- C.
  Jump in and pay for the whole thing.
- D.
  Offer to pay my part.
3.
Which statement best describes how you feel about money?
- A.
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  I don’t wanna talk about it!
- B.
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  I need to save as much as possible before something awful happens!
- C.
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  Money is here to be spent and make me happy!
- D.
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  I love watching my savings go up!
4.
What’s your budgeting style?
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- A.
  If I have money, I spend it. As long as the rent is paid, we’re all clear.
- B.
  I keep a balanced budget. I save what I can, but I let myself buy what I need.
- C.
  I save as much as I can. If something goes wrong, I want to be prepared. Sometimes I might go so far as to prioritize saving over buying food.
- D.
  I buy what I need, pay my bills, and try to forget money exists.
5.
You’re about to leave for work one morning when you discover your car isn’t starting. You…
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- A.
  Get it towed to the shop and fixed. I’ve been preparing for this moment!
- B.
  I fix it myself! I’m somewhat handy, and I don’t want to spend money on this if I don’t have to.
- C.
  Bike to work instead. I wasn’t prepared for this!
- D.
  Call a friend to come to check it out. I don’t want to think about how much it would cost to take it to the mechanic…
6.
Be honest. When was the last time you went on a no-budget spending spree?
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- A.
  Never! I can’t imagine going shopping and just spending as much as you want.
- B.
  Maybe a year ago, when all my clothes had holes in them and I needed a new wardrobe for the next 5 years.
- C.
  I rarely think about my budget when I’m making purchases.
- D.
  Just last week! I paid my rent early, so when payday time came around I had some fun.
7.
How often do you check on your bank accounts?
- A.
  Every few days, or whenever I plan on buying something.
- B.
  As little as possible. All those numbers make me squirm.
- C.
  Several times a day. I have to make sure my money hasn’t been stolen.
- D.
  Once or twice between paychecks.

Quiz Outcomes

1.
Your Spending Type is… The Avoider!
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🙈 When it comes to managing your money, your go-to strategy is: don’t look, don’t know. If you just ignore the numbers, maybe they’ll magically sort themselves out. (Spoiler alert: they won’t.)You might’ve grown up around guilt, fear, or shame when it came to money; maybe you were told it was greedy to want more, or selfish to save when others had less. Now, every time you open your banking app, it feels like a panic attack waiting to happen.Here’s the truth: ignoring your money doesn’t protect you. It traps you. And you deserve to feel safe, informed, and in control of your financial life.“Once I started paying attention to my money, it stopped controlling me.” — Lynn Richardson💡 3 Tips to Gently Rebuild Your Financial ConfidenceStart With a 5-Minute Money DateI get it, this gives you the ick...but you know you need it! Set a timer for five minutes. That’s it. Peek at your bank balance. Breathe through it. The goal isn’t action it’s exposure. Little by little, this rewires your fear response.Automate the Hard StuffUse automatic transfers to cover bills, savings, and even spending money. This means you don’t need to constantly touch your finances while still taking care of them.Use Set and Forget Tools, Not SpreadsheetsDitch the complex budget and work out what you need to pay when, then split your accounts so that your direct debits are separate from your spending. It can feel more empowering and less intimidating.Hi, I’m Phoebe Blamey: coach, podcaster bestselling author of The Happy Money Journey, and the founder of Australia’s most empowering financial education community for women over 40.I’m also an MBA graduate with over two decades of experience running an Award Winning Financial Services business. I hold a Graduate Certificate in Financial Planning, a Graduate Certificate in Applied Coaching, and am an ICF-accredited coach and I have used all that to help hundreds of women transform their relationship with money from chaos to clarity, and from shame to strategy.But don’t mistake me for someone who had it all figured out from the beginning.I’ve been broke, heartbroken, buried in debt, and waking up at 2am wondering how I was going to get through the next bill cycle. I know the shame of overdraft fees and the exhaustion of pretending you’ve got it together when your bank account says otherwise. I built this business not just because I can help but because I had to help. Because too many of us are stuck in survival mode, quietly drowning under the weight of everyone else’s needs.💸 I will show you how to reset your finances in 30 days...I created a 30 Day Spend Cleanse for the anyone who is looking for an easier way. You might have tried manifestation, affirmations, or journaling, yet you still feel stuck. Why? Because mindset work without money action is just a pretty distraction.The Spend Cleanse works because it’s 30 days of micro-movements that rewire your financial nervous system. It’s healing your money wounds and fixing your budget. It’s learning your spending type and setting boundaries. It’s tracking your choices, forgiving your patterns, and choosing better bit by bit, dollar by dollar.This isn’t about restriction. It’s about reclamation.And if you’re ready to stop feeling broke, guilty, avoidant or out of control... The Spend Cleanse is the reset button your bank balance (and your nervous system) has been waiting for.
2.
Your Spending Type is… The Banker!
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You love watching the numbers grow. Payday? Chef’s kiss. You get a rush from seeing your savings increase and your investments compound. You might run your own business, or you’re always looking for clever ways to earn more.But here’s the flip side: you struggle to spend, especially when it’s on yourself. You might fall for “get rich quick” schemes in the hope of shortcuts. Or you hoard money like it’s the only safety you’ll ever have.You don’t have to choose between financial security and enjoying life now. You can build wealth and live well.“A woman must have money and a room of her own if she is to write fiction.”Virginia WoolfYour challenge? Letting go of the fear that spending will undo all your hard work.You’ve earned this.💰💡 3 Tips to Add Joy Without Losing FocusBalance Every ‘Save’ with a Small ‘Spend’If you save $200, reward yourself by spending 10% on something meaningful. It rewires the reward system so wealth isn’t just delayed gratification.Stop Waiting for “Enough”Newsflash: there’s no magic number where you’ll finally feel safe. Start living now, in alignment with your values—not just your spreadsheet.Invest in Experiences, Not Just AssetsYour legacy isn’t just your bank balance—it’s your memories. Book the trip. Upgrade the mattress. Take the course. Your future self will thank you.“Don’t be afraid to spend money to make your life better.” Sophia AmorusoHi, I’m Phoebe Blamey: coach, podcaster bestselling author of The Happy Money Journey, and the founder of Australia’s most empowering financial education community for women over 40.I’m also an MBA graduate with over two decades of experience running an Award Winning Financial Services business. I hold a Graduate Certificate in Financial Planning, a Graduate Certificate in Applied Coaching, and am an ICF-accredited coach and I have used all that to help hundreds of women transform their relationship with money from chaos to clarity, and from shame to strategy.But don’t mistake me for someone who had it all figured out from the beginning.I’ve been broke, heartbroken, buried in debt, and waking up at 2am wondering how I was going to get through the next bill cycle. I know the shame of overdraft fees and the exhaustion of pretending you’ve got it together when your bank account says otherwise. I built this business not just because I can help but because I had to help. Because too many of us are stuck in survival mode, quietly drowning under the weight of everyone else’s needs.💸 I will show you how to reset your finances in 30 days...I created a 30 Day Spend Cleanse for the anyone who is looking for an easier way. You might have tried manifestation, affirmations, or journaling, yet you still feel stuck. Why? Because mindset work without money action is just a pretty distraction.The Spend Cleanse works because it’s 30 days of micro-movements that rewire your financial nervous system. It’s healing your money wounds and fixing your budget. It’s learning your spending type and setting boundaries. It’s tracking your choices, forgiving your patterns, and choosing better bit by bit, dollar by dollar.This isn’t about restriction. It’s about reclamation.And if you’re ready to stop feeling broke, guilty, avoidant or out of control... The Spend Cleanse is the reset button your bank balance (and your nervous system) has been waiting for.
3.
Your Spending Type is… The Free Spirit!
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You’re the kind of person who picks up the bill without thinking, sends surprise gifts “just because,” and always seems to have an Amazon package on the way. You see money as a way to express love, joy, and spontaneity and that’s a beautiful thing.But let’s be real: sometimes your generosity gets the best of you. You avoid checking your balance, you tell yourself “YOLO,” and your savings account? It’s gasping for air.You’re not bad with money you just haven’t learned how to balance joy with sustainability. You don’t need to stop being generous. You just need systems that protect you, too.“I don't believe in having regrets. I believe everything happens for a reason. Life is short, and I want to live it fully.”Serena WilliamsYour challenge? Learning how to spend without guilt and save without scarcity.Let’s find your balance.💡 3 Tips to Manage Your Money (Without Killing Your Vibe)Build a "Fun Fund"Set up an account for spending. This is your money to play with and you simply set it up so that bills are hidden in a different account. Think of it as planned spontaneity.Practice Gratitude for what you have.Gratitude is a money magnet. When you honour what you already have, you shift from lack to enough. And from that place? You make clearer, calmer, and more conscious choices.Track Feelings, Not Just SpendingInstead of rushing to click “Buy Now,” ask yourself: What’s already bringing me joy? What could I reuse, repurpose, or simply appreciate today? This isn’t about depriving yourself, it’s about recognising abundance."A budget is telling your money where to go instead of wondering where it went." Tara JacksonHi, I’m Phoebe Blamey: coach, podcaster bestselling author of The Happy Money Journey, and the founder of Australia’s most empowering financial education community for women over 40.I’m also an MBA graduate with over two decades of experience running an Award Winning Financial Services business. I hold a Graduate Certificate in Financial Planning, a Graduate Certificate in Applied Coaching, and am an ICF-accredited coach and I have used all that to help hundreds of women transform their relationship with money from chaos to clarity, and from shame to strategy.But don’t mistake me for someone who had it all figured out from the beginning.I’ve been broke, heartbroken, buried in debt, and waking up at 2am wondering how I was going to get through the next bill cycle. I know the shame of overdraft fees and the exhaustion of pretending you’ve got it together when your bank account says otherwise. I built this business not just because I can help but because I had to help. Because too many of us are stuck in survival mode, quietly drowning under the weight of everyone else’s needs.💸 I will show you how to reset your finances in 30 days...I created a 30 Day Spend Cleanse for the anyone who is looking for an easier way. You might have tried manifestation, affirmations, or journaling, yet you still feel stuck. Why? Because mindset work without money action is just a pretty distraction.The Spend Cleanse works because it’s 30 days of micro-movements that rewire your financial nervous system. It’s healing your money wounds and fixing your budget. It’s learning your spending type and setting boundaries. It’s tracking your choices, forgiving your patterns, and choosing better bit by bit, dollar by dollar.This isn’t about restriction. It’s about reclamation.And if you’re ready to stop feeling broke, guilty, avoidant or out of control... The Spend Cleanse is the reset button your bank balance (and your nervous system) has been waiting for.
4.
Your Spending Type is… The Planner!
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If anyone could win a gold medal in budgeting, it’s you. You track every cent, stretch your groceries, and have emergency funds for your emergency fund. I get it, you’ve likely been through a tough financial time and now you’re determined never to go back there.But all that caution comes at a cost. You’ve created security, but sometimes forget to enjoy what you’ve built. You’re so focused on “just in case,” that you ignore “what’s happening now.”You deserve to feel safe and joyful. Let’s help you loosen the grip a little—without losing your sense of control.“You don’t have to prove anything to anyone to be worthy of love or rest or joy.”Cheryl StrayedYour challenge? Learning how to give yourself permission to enjoy your money not just protect it.💡 3 Tips to Loosen the Grip Without Losing ControlMake Guilt-Free Spending Part of the BudgetBuild in $50/week for whatever makes you smile. This isn’t “frivolous,” it’s preventative care for burnout.Do a Monthly “Permission Audit”Ask: What have I not allowed myself to enjoy this month that I could afford? Then do one of those things.Automate and RelaxIf your bills, savings, and goals are already on autopilot you’ve earned the right to step back and enjoy the view. Let automation carry the mental load for a while.“Caring for myself is not self-indulgence, it is self-preservation.” Audre LordeHi, I’m Phoebe Blamey: coach, podcaster bestselling author of The Happy Money Journey, and the founder of Australia’s most empowering financial education community for women over 40.I’m also an MBA graduate with over two decades of experience running an Award Winning Financial Services business. I hold a Graduate Certificate in Financial Planning, a Graduate Certificate in Applied Coaching, and am an ICF-accredited coach and I have used all that to help hundreds of women transform their relationship with money from chaos to clarity, and from shame to strategy.But don’t mistake me for someone who had it all figured out from the beginning.I’ve been broke, heartbroken, buried in debt, and waking up at 2am wondering how I was going to get through the next bill cycle. I know the shame of overdraft fees and the exhaustion of pretending you’ve got it together when your bank account says otherwise. I built this business not just because I can help but because I had to help. Because too many of us are stuck in survival mode, quietly drowning under the weight of everyone else’s needs.💸 I will show you how to reset your finances in 30 days...I created a 30 Day Spend Cleanse for the anyone who is looking for an easier way. You might have tried manifestation, affirmations, or journaling, yet you still feel stuck. Why? Because mindset work without money action is just a pretty distraction.The Spend Cleanse works because it’s 30 days of micro-movements that rewire your financial nervous system. It’s healing your money wounds and fixing your budget. It’s learning your spending type and setting boundaries. It’s tracking your choices, forgiving your patterns, and choosing better bit by bit, dollar by dollar.This isn’t about restriction. It’s about reclamation.And if you’re ready to stop feeling broke, guilty, avoidant or out of control... The Spend Cleanse is the reset button your bank balance (and your nervous system) has been waiting for.