What Kind of Spender are You?

When it comes to saving money, you:

• A. Know you should be saving, but never seem able to.

• B. Really enjoy saving. You spend a lot of time thinking about how to better save.

• C. Have trouble saving money, and this bothers you sometimes.

• D. Spend only for things you really need.

• E. Are a Natural. You save regularly.

If you had a credit card, you would probably:

• A. Forget to pay your bill all the time.

• B. Use it almost all the time, as long as you can pay it off quickly. Otherwise, you'd worry about it.

• C. Use it often, but always pay the minimum payment.

• D. Prefer to use it only if you had to.

• E. Never use it, and always bring cash or a check to pay for things.

When you want something but don't have enough for it, you:

• A. Buy it and figure out how to pay for it later.

• B. Save up enough, then buy it.

• C. Buy it, even if you can't afford it.

• D. Don't usually want luxuries, so you can afford what you want. If you want something really expensive, you might get it but still worry about how much it is.

• E. If the item is important enough to you, you figure out how to adjust your budget to buy it.

  If it isn’t that important, you forget about it.

When you're feeling down in the dumps:

• A. Spending money does not cheer you up.

• B. Coming up with plans to make more money makes you feel better.

• C. Spend money. It always cheers you up.

• D. Spending just makes you feel worse. Spending has nothing to do with happiness.

• E. Spending money is the last thing you would do, but putting more money in savings or investments might

  lift your spirits.

If I won a million dollars in the lottery, my first reaction would be:

• A. To be totally overwhelmed - I would have no idea how to handle it.

• B. To be very happy. I would immediately start thinking about how to make the money grow and at the

  same time use it for my own enjoyment.

• C. To be wildly excited, realizing that from now on I could buy anything I wanted!

• D. To feel a little guilty, thinking about all the people who have nothing. I would think about how to use

  some of my money to help others.

• E. To feel shocked, a little overwhelmed, and very relieved that my future was now secure.