Saver or spender

Saver or spender?

By Galina Palieva

Poll

You get a surprise $1000 deposit. What do you do?

• A) Add it to your emergency fund to improve your cash flow
  

• B) Spend it on a weekend getaway — you deserve it!

Poll

Your rent is high and eats most of your income. What’s your move?

• A) Move to a cheaper place and track expenses more closely
  

• B) Stay — location and comfort are worth it!

Poll

A bank offers you a loan with 10% interest.

• A) Nope, I’ll save and wait
  

• B) I’ll take it — better to get what I want now

Poll

You want a car but can’t afford it right now.

• A) Save up slowly, avoid borrowing
  

• B) Take a car loan, deal with amortization later

Poll

You’re offered two apartments:

• A) One for rent, cheaper and flexible

• B) One with a long-term mortgage, but it’s YOURS

Poll

Your credit score isn’t great.

• A) I start budgeting and avoid unnecessary expenses

• B) I apply for a new credit card anyway — I’ll fix it later

Poll

You often make small withdrawals for coffee, snacks, etc.

• A) You start tracking these expenses

• B) You feel it’s not a big deal