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What is your Spending Style?

Complete this short quiz to find out more about your Spending Style.

Please submit the completed form so that we can send your results to you.

Your Name/Age:

Telephone:       

I/c no:              

Address:           

Email:               

Questions

1. At the supermarket, how many items do you buy that aren't on your list?

Virtually none

A few

Quite a few

Lots

 
2. When do you do most of your Christmas shopping?

All through the year, whenever there's a sale on.

At the very last minute, often on Christmas Eve.

Well in advance. You like to have everything bought by the end of November.

You try to shop in advance, but usually end up having to buy most things that at the last minute.

 
3. After lunch with friends from work, you usually:

Take charge of the bill and work out exactly what each person owes.

Contribute approximately what you think you owe.

Let someone else handle it and tell you what to pay.

Offer to pay with your credit card and ask the others to pay you.

 
4. When you have accumulated too much small change, how do you get rid of it?

You pay for every purchase with the exact change.

You transfer it to a bowl, jar or piggy bank where it mounts up.

You ask a shop or bank to take it off your hands.

You give it as a tip to a waiter, taxi-driver or hairdresser.

 
5. A quality shop is having a huge sale where everything is half price. You:

Have a look around to see if there's anything worth buying.

Buy dozens of items.

Ignore the sales-you never buy marked down merchandise.

Go, but shop carefully, buying only what strikes you as a real bargain.

 
6. When buying a present for someone special, you choose something:

Expensive and luxurious

Uniquely suited to the individual, however difficult to find.

That looks expensive, but isn't.

That you know the person wants.

 
7. How do you use your credit cards?

You prefer to pay cash and keep your cards for emergencies.

You use them all the time, but pay the bills promptly to avoid interest.

You only use them for expensive items that you couldn't otherwise afford.

You use them for everything-up their limits.

 
8. Where do you buy most of your clothes?

In shops with personal service where the assistants are friendly and helpful.

In shops where you can buy wholesale or at a big discount.

In upmarket shops that sell quality designer clothes.

In small, offbeat shops where you can pick up unusual items.

 
9. You feel most guilty about your spending when you have:

Bought something that you could have got more cheaply somewhere else.

Purchased an inferior product when the high-quality version would only have cost a few pounds more.

Spent more money than your weekly or monthly budget allows.

Been on a wild spending spree.

 
10. On receiving an unexpectedly large bonus, you:

Treat yourself to a new wardrobe or a trip to Paris.

Buy presents or a celebratory meal for your friends and loved ones.

Invest it for high profits.

Pay off any debts you have, then put the rest in a savings account.

Part Two

Mark each of the following statements T for 'true' or F for 'false'.

  1. T F    Carrying large sums of money makes me nervous.
  2. T F    I don't mind spending money, but I hate to be overcharged.
  3. T F    When a friend needs financial help, I'll give it if I can.
  4. T F    No matter what I'm buying, I like to have the very best.
  5. T F    I hate lending money to anyone, for any reason.
  6. T F    When shopping, I like to be left alone to browse at my leisure.
  7. T F    I'm constantly buying little gifts for friends and family.
  8. T F    I only borrow large amounts of money - never small ones.
  9. T F    I have a real eye for a bargain.
  10. T F    I buy good quality clothes rather than overpriced designer labels.
  11. T F    I always leave a generous tip, even when the service doesn't warrant it.
  12. T F    It's my policy to lend money only to very rich people.
  13. T F    I pay all my bills on time.
  14. T F    I am careful with my money, but never stingy.
  15. T F    I buy more things for other people than I do for myself.
  16. T F    In a restaurant where I want to be known, I will tip lavishly.
  17. T F    I go out of my way to get the lowest price on something.
  18. T F    I'd have to be a millionaire before I'd pay £100 for a pair of shoes.
  19. T F    I like to shop in local stores where the staff know me.
  20. T F    With investments, I will risk a lot in order to gain a lot.
  21. T F    Quite often, I get a kick out of not spending money.
  22. T F    Credit cards are bad news. I always pay by cash or cheque.
  23. T F    When I lend money, I don't expect to get it back.
  24. T F    I refuse to wear or own a cheap or poor-quality item of clothing.
  25. T F    I won't invest in the stock market - I'd be terrified of losing it all.
  26. T F    A pound saved is one I don't have to go out and earn.
  27. T F    When I'm feeling down, I cheer myself up with a bit of retail therapy.
  28. T F    I love using £50 notes.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 
 

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*Reproduced with permission from "Cosmopolitan, The Ultimate Quiz Book".

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Last modified: 01/24/05