What Is Your Spending Style Quiz

Spending and Debt Questionnaire

Instructions: Circle the number which comes closest to representing how true the statement is for you right now - 1 for less true and 5 for more true. Then, score yourself, using the key at the bottom of the page. 

1   2  3  4  5   This month's bills come in before I've paid last month's bills. 
1   2  3  4  5   I receive at least one cutoff/past due notice per month. 
1   2  3  4  5   I have a stack of unopened bills/notices. 
1   2  3  4  5   I keep a negative running balance in my checkbook. 
1   2  3  4  5   I search for products I can buy with minimal down payments. 
1   2  3  4  5   I get excited about how much credit line I have left. 
1   2  3  4  5   I get a least one cash advance per month from my credit card. 
1   2  3  4  5   I am frequently short a few dollars and borrow from friends, etc. 
1   2  3  4  5   I get high from telling the clerk to "charge it". 
1   2  3  4  5   I am always interested in getting new charge cards. 
1   2  3  4  5   I feel inordinately good when I pay routine bills like the
                     phone or the rent. 
1   2  3  4  5   I am reticent to discuss the subject of money and walk away from
                    social conversations about it. 
1   2  3  4  5   I've had an account closed in the last 6 months and am angry
                     about it or have blamed others. 
1   2  3  4  5   When my paycheck or loan money comes in, I experience a great
                     sense of relief. 
1   2  3  4  5   I rarely keep a running balance in my checkbook. 
1   2  3  4  5   My credit card balances run near the maximum credit line. 
1   2  3  4  5   I have little or no savings, investments or assets; nothing 
                     available for  contingencies. 
1   2  3  4  5   I bounce more than 3 checks per year. 
1   2  3  4  5   I have only a vague idea of my various financial obligations. 
1   2  3  4  5   Money is tight, but there is always someone I keep turning to who
                      won't let me starve _________  Total Score (add up all numbers)  

SCORING KEY
20 - 35  Doesn't look like a problem.
36 - 50  Get on a budget!
51 - 75  Borderline situation. It maybe time to read some  financial books  such as How to Get Out of Debt, Stay Out of Debt & Live Prosperously by Jerrold Mundis.
76 - 100 Clearly a problem. Please go to a Debtors Anonymous meeting TODAY

Copyright 1999-2002 by Coach U www.coachu.com For use only by Coach U trained coaches. The owner of this Web site, Maria Marsala is a Coach U graduate.

©2007 Maria Marsala, former Wall Street Fortune 200 executive, business strategist, author and speaker. As founder of Elevating Your Business, Maria helps business owners and independent service professionals work smarter and earn more. Learn more and receive free business tools at ElevatingYourBusiness.com

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