Quiz: Are You More of a Spender or a Saver?”

When it comes to money, we all have our habits. Some people stash every spare dollar in a high-yield savings account, while others can’t resist the allure of a late-night online shopping spree. But do you really know which side of the financial personality scale you fall on?

This light-hearted quiz will help you reflect on your financial behaviors—and give you tips on how to strike a balance no matter where you land.

Take the Quiz: Spender or Saver?

1. You just got an unexpected $500. What’s your first move?
A. Hit the mall or book a weekend getaway.
B. Save it or put it toward debt.
C. Treat yourself a little, then save the rest.

2. When it comes to budgeting, you:
A. Don’t really stick to one—YOLO, right?
B. Track every dollar with spreadsheets or an app.
C. Have a loose budget you try to follow most months.

3. Your favorite retail therapy scenario:
A. A shopping cart full of sales and steals.
B. Window shopping—no buying unless you really need it.
C. Occasionally indulging in quality over quantity.

4. You see a daily deal for 40% off something you don’t need but kind of want. What do you do?
A. Click “buy now” without thinking twice.
B. Pass—it’s not in the budget.
C. Sleep on it and decide tomorrow.

5. How do you feel when checking your bank account?
A. Nervous—it’s better not to look.
B. Calm and in control—you check it regularly.
C. A little anxious, but you keep tabs when it counts.

6. Which statement sounds most like you?
A. “You only live once—may as well enjoy it!”
B. “Financial freedom is worth a little sacrifice today.”
C. “Life’s about balance—save smart, spend smart.”

7. How do you handle financial windfalls like tax refunds or bonuses?
A. Upgrade your phone, wardrobe, or travel plans.
B. Funnel it into savings, investments, or debt payoff.
C. Split it—half for fun, half for financial goals.

8. When you want something expensive, you typically:
A. Buy it now and figure out the rest later.
B. Research, compare prices, and save up first.
C. Set a short-term savings goal to fund it.

Now, tally your results:

Give yourself:

2 points for every A
1 point for every C
0 points for every B

Your Results:

12–16 Points: The Spender
You love enjoying the moment, and treating yourself feels like a reward you’ve earned. While your fun-loving approach makes life exciting, it can sometimes lead to financial stress down the road.

Tips for You:

Try the 50/30/20 rule: 50% needs, 30% wants, 20% savings.
Use spending limits or prepaid cards for “fun money.”
Automate savings so you don’t forget to pay yourself first.

6–11 Points: The Balanced Budgeter
You’ve got the best of both worlds. You enjoy your money but also know how to delay gratification when necessary. You likely have savings goals and treat spending as a reward, not a reflex.

Tips for You:

Reevaluate your budget quarterly to match new goals.
Increase savings contributions slightly with every raise.
Stay mindful of lifestyle creep as your income grows.

0–5 Points: The Saver
You’re super disciplined and prioritize long-term financial stability over short-term indulgence. You’re probably already saving for retirement, an emergency fund, and your next big goal.

Tips for You:

Make room for fun—it can keep you motivated.
Consider using rewards-based credit cards or “fun funds” to enjoy life without guilt.
Invest in experiences or high-quality items you’ll value over time.

Why It Matters

Knowing whether you’re a spender or a saver isn’t about judgment—it’s about self-awareness. Money habits are often tied to our upbringing, emotions, and even our stress levels. Recognizing your tendencies helps you build a financial system that works with your personality, not against it.

So whether you’re splurging on a weekend trip or socking away money for a rainy day, the key is conscious decision-making. After all, the best financial plan isn’t just smart—it’s sustainable for you.

Ready to Level Up Your Financial Game?
No matter your result, here’s your next step: