Are You a Spender or a Saver?

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Are You a Spender or a Saver?

When it comes to buying holiday gifts:

You mostly stick to your budget but can't help splurging

You put it all on your credit card and figure you'll deal with it later

You save up a few months ahead and stick to a plan

When you go grocery shopping...

You make a list and look for sales

You buy whatever looks good

You make a list, but you often deviate from it

Do you make budgets and stick to them?

Yes, you actually enjoy budgeting

You make budgets but sometimes go over them

No, you don't budget

When you really want to buy something you can't afford, you:

Wait for it to go on sale

Save up for it

Buy it on credit

Do you regularly save part of your paycheck?

Yes, every single month without fail

Only every so often

Yes, most months

Do you buy things for yourself as a little pick me up?

No, never

Only little things and only occasionally

All the time

Do you ever pay bills late?

Yes, it happens

Never

Only by accident

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