What’s your spending style? Take our quiz to find out

Take our quick quiz to discover your money mindset – and get tailored tips to boost your financial wellness.

1. When you get paid, what's the first thing you do?

A. Transfer some to savings – always.
B. Celebrate with a treat!
C. Check what's left after bills, then plan.
D. Feel overwhelmed – it disappears so fast.

2. How do you feel about budgeting?

A. I love it – spreadsheets are my thing.
B. I try, but I’m not consistent.
C. I use an app or jot it down somewhere.
D. I know I should, but I’ve never started.

3. You see something you really want but didn’t plan to buy. You…

A. Walk away. I only buy what’s in the budget.
B. Buy it – life’s too short!
C. Sleep on it, then decide.
D. Panic – I might buy it, then regret it.

4. How do you handle unexpected expenses?

A. I’ve got an emergency fund for that.
B. I use credit or borrow from family/friends.
C. I try to shuffle things around.
D. I usually end up missing a payment.

5. When it comes to your financial goals…

A. I’ve got short- and long-term goals mapped out.
B. I have dreams but no real plan.
C. I’ve got ideas, and I’m working on them.
D. I feel stuck and unsure where to begin.

Mostly A: the planner

You’re organised, goal-driven and probably already budgeting like a boss.
Wellness tip: Review your direct debits and subscriptions to trim waste. Even planners can benefit from a financial spring clean.

Mostly B: the spender

You love living in the moment, but your bank balance might not always keep up.
Wellness tip: Set up a ‘fun fund’ - a budget just for treats - so you can enjoy life without guilt or unmanageable debt.

Mostly C: the balancer

You’re pretty sorted to be honest! Just make sure an unexpected expense isn’t likely to throw you off course.
Wellness tip: Look at building up a rainy-day fund.

Mostly D: the worrier

Money feels like a stress trigger, and you’re not alone. But small steps can make a big difference.
Wellness tip: Start by creating a budget. Knowing where your money goes is the first step to taking back control.

Want more money tips tailored to your style?

Check out moneywellness.com for tools, money-saving tips and debt support - wherever you are on your money journey.