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What is your money profile type?

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For each statement, choose the answer that strikes you first as being closest to your tendencies, without thinking about it too much!  If you are unsure, go with what feels right, rather than what you over analysing it.

There is no right answer, just be as honest with yourself as you can.

  • Question of

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

    • To spend it on things I really want, including gifts for others.
    • To put it in my savings account or pay off my mortgage.
    • To feel so overwhelmed that I’d put off making decisions about it for quite a while.
    • To invest it in order to make the biggest profits possible.
    • To give most of it away and use it to make the world a better place.
  • Question of

    When it comes to dealing with my money:

    The Advantage of Special Financing Offers How to Get the Best Deals - pennysaver
    • I prefer it not to be a priority, people are more important
    • I enjoy spending it on gifts for myself and others, and on whatever will give me immediate pleasure.
    • I like to strategize about how to make more and more of it.
    • I hold on to it and enjoy thinking about the security it provides.
    • I try not to think about it and hope it will take care of itself.
  • Question of

    When it comes to saving money

    • I know I should save, but I don’t
    • I really enjoy saving, I spend a lot of time thinking about it
    • I have too much debt to save money
    • I spend on things I only really need
    • Saving comes naturally, I save and invest each month
  • Question of

    When it comes to my credit card

    • I always pay my credit card on time
    • I always pay the full balance
    • I pay only the minimum statement amount
    • I forget to pay it and often get multiple notices
    • I don’t use a credit card and prefer to use debit
  • Question of

    When I want a certain item, but I don’t have the money to buy it right now, I

    • Will save a bit every month until I do.
    • I’ll buy it now and figure out how to pay for it later
    • I’ll charge it to my credit card
    • Most of the things I want I can afford to buy, If I do purchase something more expensive it makes me uncomfortable.
    • If it’s important enough, I’ll adjust my monthly budget to purchase it.
  • Question of

    I won a million dollars, what is next

    • I would immediately start thinking about how to invest it and grow the money
    • I would use the money to help others
    • I would immediately purchase everything I’ve ever wanted.
    • I would purchase a house and other secure assets
  • Question of

    When I’m feeling down

    • Spending money is the only thing that cheers me up
    • Think about plans to make more money
    • Coming up with ideas to save money and invest it makes me feel better
    • I will spend money on small items to make me feel better
  • Question of

    You just spend $400 on a new pair of boots, how do you feel?

    What type of spender are you - New boots
    • So stoked they look fabulous on me!
    • Content, they are good quality and will last for year
    • I saved up for these for months, so I’m pretty happy
    • A bit guilty, I needed them because my other boots were falling apart but I can’t afford them.
    • I would never buy a pair of boots when I can put that in my retirement savings
  • Question of

    What do you do after a long stressful week?

    • Finally buy the latest smart phone or big treat for myself
    • Put money into my vacation account
    • Check my investment portfolio
    • Walk around the mall and see what I can find
  • Question of

    What is your most treasured possession?

    • My home
    • My 401k
    • My car
    • The status purse I bought when I got a new job.
  • Question of

    No looking, what is in your wallet right now?

    What type of spender are you - Wallet
    • A gold credit card with lots of perks and an annual fee
    • 3 credit cards, 1 debit card
    • Debit card and a couple bills
    • No idea, anywhere from 2 to 200
  • Question of

    What pulls you into a store?

    • The latest shirt on display on the mannequin
    • The clearance sign
    • Catchy music
    • Nothing
  • Question of

    What kind of gifts do you give?

    What type of spender are you - Gifts
    • Extravagant gifts that will surely surprise
    • I like to make my own gifts
    • Whatever I find at the mall
    • Easy ones to save time
  • Question of

    The fridge is empty and it’s dinner time, you:

    What type of spender are you? Empty Fridge
    • Go to the supermarket with your grocery list
    • It’s half off at the pizza place so place an order
    • Order skip the dishes and pay extra tip
    • Call a friend and go out for dinner
    • You bank account is bone dry but you need to eat so charge food to the credit card

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