Are you a saver or a spender?

When I do the shopping,

• I have a list of items I need.

• I remember what I should buy.

• I think, while I’m in the shop, about what I want

  to buy.

To keep myself on budget,

• I write down all of my purchases.

• I cut down on some expenses at the end of the month.

• I use cash instead of a credit card.

When I buy online,

• I spend time looking for the best deals.

• I only buy from one shop because I know and trust it.

• I buy much more than I need.

To keep myself on budget,

• I write down all of my purchases.

• I cut down on some expenses at the end of the month.

• I use cash instead of a credit card.

You want to save some money. You know that you waste too much money on petrol driving to work. The most cost-effective means of transport would be a bike. What do you do?

• I bike to work.

• I save on other things because I love driving.

• I find a colleague to drive with and share petrol costs.

You are going to buy some groceries, but you enter a clothes shop and see an amazing pair of jeans for $100. What do you do?

• I buy them on impulse

• I already have so many pairs of jeans, so I don’t buy them.

• I take a photo and wait until the sales.

You want to go to your friend’s house by Uber. If you take an Uber now, you’ll be charged more, but if you wait, the price might be cheaper. What do you do?

• I go now because I don’t want to wait.

• I wait a couple of minutes to spend less money.

• I decide to use public transport and arrive a bit later.

What trade-off would you accept if you wanted to save money for a holiday?

• Not ordering takeout for one year.

• Cycling instead of driving to work for half a year.

• Partying at home instead of going out for half a year.