What Kind of Spender Are You?

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Quiz Questions

1.
When you think about your money, your first reaction is…
- A.
  “I try not to — it stresses me out.”
- B.
  “I love seeing my savings grow.”
- C.
  “It’s mostly fine until a big bill throws me off.”
- D.
  “I’m usually generous — I like treating others.”
- E.
  “Money’s meant to be enjoyed! I’ll figure it out later.”
2.
How do you usually feel when you check your bank account?
- A.
  Nervous — I never know what I’ll find.
- B.
  Calm — I check often and keep things organized.
- C.
  A mix — I try to stay aware, but sometimes it’s a surprise.
- D.
  Happy when I can use it to do something kind or fun.
- E.
  I don’t check much — I trust it’ll all work out.
3.
When an unexpected expense comes up (like a car repair or vet bill)…
- A.
  I panic and wonder how I’ll cover it.
- B.
  I’m usually ready — I plan ahead for things like that.
- C.
  I feel frustrated but make it work somehow.
- D.
  I might borrow from savings or skip a treat for myself.
- E.
  I put it on a card and promise to deal with it later.
4.
When you have extra money left over, what do you tend to do?
- A.
  Spend it — something always comes up.
- B.
  “Save or invest it.
- C.
  Share it — gift, donation, or treating someone
- D.
  Use it for something I’ve been wanting.
- E.
  I’m not sure — I lose track of it.
5.
How do you feel about budgeting?
- A.
  Overwhelmed — I don’t even know where to start.
- B.
  Comforted — it helps me feel in control.
- C.
  Restrictive — I don’t like being told where my money can go.
- D.
  Helpful — but I don’t always stick to it.
- E.
  I’d rather focus on what matters to me than track every detail.
6.
Which statement sounds most like you?
- A.
  “I feel like I’m always playing catch-up.”
- B.
  “I love watching my balances and planning for the future.”
- C.
  “I’m happy to spend on others — it makes me feel good.”
- D.
  “I work hard, so I deserve to enjoy what I earn.”
- E.
  “I’d rather not think about money until I have to.”
7.
What’s your biggest frustration with money right now?
- A.
  Feeling stuck or disorganized.
- B.
  Having a hard time saying no to others.
- C.
  Spending before I realize it.
- D.
  Worrying I’ll never feel secure enough.
- E.
  Feeling guilty for enjoying what I spend.
8.
What motivates you to make changes with your money?
- A.
  Wanting to feel more confident and calm.
- B.
  Hitting a savings or debt goal.
- C.
  Wanting to stop feeling behind.
- D.
  Wanting to give or spend without guilt.
- E.
  Hoping to feel more balanced overall.
9.
How do you describe your spending style in one word?
- A.
  Spontaneous
- B.
  Careful
- C.
  Generous
- D.
  Overwhelmed
- E.
  Intentional
10.
When you imagine your ideal relationship with money, what do you hope for?
- A.
  Peace and predictability
- B.
  Freedom and flexibility
- C.
  Generosity without stress
- D.
  Confidence in my choices
- E.
  Calm clarity about what I have and where it’s going

Quiz Outcomes

1.
The Free-Spirit
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"You crave freedom - not spreadsheets."You value experiences, spontaneity, and the ability to say yes to life. You don’t like feeling boxed in by rules or numbers, and traditional budgeting feels like it takes the joy out of living.You’re motivated by flexibility and choice, but sometimes, that freedom can come with a side of stress when bills pile up or money feels uncertain. You’re not careless; you just want money to support your life, not control it.Your opportunity: To find a rhythm with money that gives you both - the freedom you love and the peace of mind you crave.When you’re ready, your next step could be exploring what this balance looks like through a Cashflow Clarity Session - a gentle, practical way to see where your money can start working better for you.
2.
The Giver
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"Your heart leads - sometimes faster than your wallet."You love to give - to treat friends, support family, or say yes when someone you care about needs help. Generosity comes naturally to you; it’s one of your best qualities.But sometimes, giving can come at your own expense - leaving you stretched thin or quietly anxious when your kindness clashes with your budget. You might even feel guilty saying no, even when you know you need to.Your opportunity: To bring harmony between your heart and your finances. To keep giving freely, while also feeling safe, supported, and secure in your own money flow.When you’re ready, you can explore this balance in a Cashflow Clarity Session - a gentle, judgment-free space to see how your generosity and goals can work together instead of competing.
3.
The Overwhelmed
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"You care about your money - you just don’t know where to start."You’ve tried to get organized before, but budgeting always seems to end in frustration or confusion. Checking your accounts might make your stomach drop, and even when you want to make progress, it can feel like too much.You’re not lazy, bad with money, or behind. You’re just tired - tired of the stress, the guilt, and the feeling that no matter what you do, you’re missing something.Your opportunity: To take the pressure off. To start small, get clarity, and finally see where your money’s really going, without judgment, shame, or spreadsheets that make your head spin.When you’re ready, you can explore this together in a Cashflow Clarity Session - a calm, step-by-step space to help you see what’s working, what’s not, and where to begin for real progress.
4.
The Splurger
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"You love quality, comfort, and a little fun money - and that’s okay."You work hard, and you want to enjoy it - nice things, good food, cozy spaces, maybe a few “treat yourself” moments along the way. You’re all about living fully, not just surviving.But sometimes, those well-deserved splurges sneak up on you - and it’s frustrating to feel like you should be further ahead, even when you’re doing your best.Your opportunity: To create a spending rhythm that includes joy and security. To know exactly what you can spend freely - and still have the calm confidence that your future is handled.When you’re ready, you can explore this balance in a Cashflow Clarity Session - a space to bring structure and spontaneity together, so money supports your happiness instead of stealing it.
5.
The Saver
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"Security brings you peace - but you deserve joy, too."You feel most at ease when your bills are paid, your savings are steady, and there’s a sense of control around your money. You’re thoughtful and intentional - the kind of person who plans ahead and follows through.But sometimes, that same sense of responsibility makes it hard to let go and enjoy what you’ve worked for. You might hesitate to spend on yourself or struggle to loosen your grip, even when you could.Your opportunity: To find the sweet spot between security and satisfaction. To keep the structure you value, while allowing space for joy, comfort, and well-deserved experiences.When you’re ready, you can explore this balance in a Cashflow Clarity Session - a calm, practical space to help you strengthen your stability and give yourself permission to enjoy the life you’ve built.

What Kind of Spender Are You?

Find out how your habits and emotions shape your money decisions - and how to start feeling calm, clear, and confident with your cashflow.

Quiz Questions

Quiz Outcomes