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

When you go grocery shopping...

You buy whatever looks good
You make a list, but you often deviate from it
You make a list and look for sales

Do you make budgets and stick to them?

No, you don't budget
You make budgets but sometimes go over them
Yes, you actually enjoy budgeting

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

Wait for it to go on sale
Buy it on credit
Save up for it

Do you regularly save part of your paycheck?

Yes, every single month without fail
Yes, most months
Only every so often

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

All the time
No, never
Only little things and only occasionally

Do you ever pay bills late?

Yes, it happens
Never
Only by accident

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