Take the quiz to learn more about your money habits
We all approach our finances differently. Have you ever wondered why your approach to money differs from your friends or family? Some of us are natural savers. Others love the thrill of a good deal (or a good splurge). And many of us are just trying to find balance. Understanding your money habits is the first step to making intentional, healthy choices with your finances.
Take this quick quiz to find out your money personality—and get practical tips to work with your strengths and shift any habits that might be holding you back.
Quiz Questions:
Keep track of how many A’s, B’s, C’s, and D’s you get!
1. When you get paid, the first thing you do is:
- A) Automatically move money to savings
- B) Pay bills and check what’s left
- C) Buy something you’ve been eyeing
- D) Don’t really think about it until later
2. How do you feel about budgeting?
- A) I love it—it gives me peace of mind
- B) I use one loosely, but I’m not strict
- C) I find it restrictive and boring
- D) I’ve never made one
3. You see a flash sale online. What do you do?
- A) Ignore it—if it wasn’t already in the plan, it’s a no
- B) Check your budget to see if it fits
- C) Add to cart!
- D) Buy it and figure out the rest later
4. At the end of the month, you usually feel:
- A) Proud of how you managed your money
- B) Mostly fine, but could be better
- C) Wondering where your money went
- D) Surprised you’re out of cash
5. Your idea of financial freedom is:
- A) Early retirement and a well-funded future
- B) Paying your bills comfortably with room for fun
- C) Being able to do what you want, when you want
- D) Not worrying about money or planning too much
6. When it comes to saving for the future, you:
- A) Have clear goals and track your progress
- B) Put something away when you can
- C) Haven’t started—too many other priorities
- D) Feel overwhelmed and avoid thinking about it
7. Your biggest financial fear is:
- A) Not being prepared for emergencies
- B) Not earning enough to enjoy life
- C) Missing out on experiences
- D) Dealing with debt or unexpected bills
8. How often do you check your accounts?
- A) Weekly or more
- B) A couple times a month
- C) When I need to buy something big
- D) Rarely
9. If you got an unexpected $1,000, you would:
- A) Save or invest it
- B) Split it between savings and fun
- C) Spend it on something you want
- D) Use it to catch up on bills or wing it
10. Money, to you, feels like:
- A) A tool for stability and freedom
- B) Something to manage wisely
- C) A means to enjoy life now
- D) A source of stress or confusion
Mostly A’s – The Intentional Saver
You’re disciplined and future-focused. You track your money, plan ahead, and find comfort in structure. Saving is second nature to you—but don’t forget to live a little, too.
Strengths: Clarity, planning, consistency
Watch out for: Over-restriction or guilt about spending
Action Tips:
- Create a “fun fund.” Set aside a small % of your income each month just for spontaneous joy—dinner out, a new book, or a weekend trip.
- Automate your investing. Look into apps like Acorns or Fidelity Spire that grow your savings passively.
- Review goals quarterly. Make sure your money still aligns with what you actually want—not just what you think you should want.
- Treat yourself to tools that support your mindset. Like a sleek money tracker or a values-based planner.
Mostly B’s – The Steady Balancer
You’re a thoughtful manager—you aim for balance between enjoying life now and planning for the future. You’re doing well but could benefit from a little more structure or automation to stay consistent.
Strengths: Flexibility, realism, good instincts
Watch out for: Drifting off track or decision fatigue
Action Tips:
- Use the 50/30/20 rule as a baseline: 50% needs, 30% wants, 20% savings/debt.
- Automate your savings or debt payments. It reduces mental load and helps you stay on track.
- Do a monthly money check-in. Set a recurring calendar reminder to review your spending and reset your goals.
- Try a budget app. Something low-lift that can help you stay organized without being overwhelming.
Mostly C’s – The YOLO Spender
You live in the moment—and that can be amazing! You’re generous and fun-loving, but impulsive spending might be keeping you from long-term freedom. The key is to build structure around your spending so you can still enjoy life without regret.
Strengths: Passionate, adventurous, generous
Watch out for: Living paycheck to paycheck or buyer’s remorse
Action Tips:
- Build a “Joy Budget.” Allocate guilt-free fun money on purpose—so you get to enjoy it without blowing your plans.
- Try a cash envelope system. Set limits for things like eating out or Target runs.
- Track your spending for just 30 days. No shame—just awareness.
- Set short-term goals that excite you. A weekend getaway, a new outfit, a concert—then start a separate savings jar
Mostly D’s – The Financial Free Spirit
You don’t love rules or routines when it comes to money—and that’s okay. But even a little structure can make a huge difference. You don’t need a rigid budget, just a few intentional habits to get started.
Strengths: Easygoing, open-minded, creative
Watch out for: Avoidance, disorganization, last-minute panic
Action Tips:
- Pick ONE habit to start with. Like checking your account every Monday or tracking your expenses for one week.
- Use visuals to stay motivated. A savings thermometer, a goal tracker, or sticky notes on your mirror can help.
- Build micro-routines. Like logging into your budget app after your morning coffee—make it part of life.
- Focus on values, not numbers. Ask: “What do I want my money to do for me?”—and build a simple system around that answer.
I tend to fluctuate between an Intentional Saver and a Steady Balancer, depending on what’s going on in my life. When I’m in full-on “Intentional Saver” mode, I can get really anxious about spending money—even on things I’ve already budgeted for. That stress isn’t helpful (we all have enough to worry about!). That’s why I like to create separate budget categories for things like fun, self-care, or family time—so I can spend with intention and peace of mind.
What about you? Drop a comment below and let us know your money personality—and one habit you’d love to improve. Let’s learn from each other!
Chic Money Life 
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