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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.
© 2010 Elevating Your Business. An irrepressible entrepreneur, Maria Marsala sold AVON at age 14 and landed on Wall Street three years later. She became a bond trader at a time when female executives were as rare as pink diamonds. In 1998, brimming with 25+ years of business expertise, Maria created Elevating Your Business. She coaches established women B2B owners to double their bottom line using strategic business planning and execution systems, delivered one-on-one or to large audiences. Earn more, work less and live a sparkling quality of life! It starts at www.CoachMaria.com
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© 2010 Elevating Your Business. An irrepressible entrepreneur, Maria Marsala sold AVON at age 14 and landed on Wall Street three years later. She became a bond trader at a time when female executives were as rare as pink diamonds.
In 1998, brimming with 25+ years of business expertise, Maria created Elevating Your Business. She coaches established women B2B owners double to their bottom line using strategic business planning and execution systems, delivered one-on-one or to large audiences. Earn more, work less and live a sparkling quality of life! It starts at
www.CoachMaria.com
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