1.1 Money Personality Quiz

When you receive your allowance or paycheck, what’s your first instinct?

• Spend it right away on things I want.

• Save a portion of it and spend the rest.

• Save most of it for the future.

• Ignore it for a while and think about it later.

How do you feel when you think about saving money for future goals (e.g., college, buying a car)?

• It feels difficult to wait, and I’d rather enjoy life now.

• I’m okay with saving, but I still want to spend a little.

• I’m focused on saving for my future goals and avoid spending too much.

• I prefer not to think about it too much and let things happen as they come.

If you found a $50 bill on the street, what would you do?

• Spend it on something fun right away.

• Spend some and save a little.

• Save it for something important in the future.

• Leave it where I found it or think about donating it.

How often do you make a budget or track your spending?

• I don’t keep track of my spending at all.

• Sometimes, but I don’t always stick to it.

• I try to stick to a budget and track my expenses regularly.

• I make sure to keep a close eye on my budget and saving goals.

If you wanted to buy a new phone, how would you go about it?

• I’d buy it as soon as I can, even if it means using credit.

• I’d save up for a few months and buy it without borrowing money.

• I’d plan ahead, research the best deals, and save over time.

• I would only buy it if I could pay for it in full with savings.

How do you feel when you're saving money for something important?

• I get impatient and just want to spend it now.

• I feel okay about it but still want to spend on smaller things.

• I’m motivated and enjoy seeing my savings grow over time.

• I feel really satisfied when I reach my savings goals.

If you receive a gift of money, how do you use it?

• Spend it on something I’ve been wanting.

• Spend part of it and save the rest.

• Save it for a bigger future goal or investment.

• I might donate it or put it into my savings account right away.

Do you think about long-term financial goals (like retirement or college savings)?

• Not really—I’m focused on today and now.

• Occasionally, but I’m not too concerned yet.

• Yes, I’ve started thinking about my future financial needs.

• I’m always thinking about how I can save and prepare for the future.

When making a major purchase (e.g., clothes, electronics), how do you decide what to buy?

• I usually buy whatever catches my eye without worrying about the cost.

• I try to find a good deal but don’t plan too far ahead.

• I carefully research and make sure it fits within my budget.

• I always make sure I can afford it without taking on debt.

How would you describe your relationship with money overall?

• I’m more focused on enjoying the present than saving for the future.

• I try to balance saving with spending, but it can be hard.

• I am very focused on saving and think ahead about future needs.

• I see money as a tool for long-term security, and I am careful about spending.