{"id":1017,"date":"2023-03-08T23:29:46","date_gmt":"2023-03-08T23:29:46","guid":{"rendered":"https:\/\/www.moneyharmony.com\/?p=1017"},"modified":"2023-03-13T14:52:48","modified_gmt":"2023-03-13T14:52:48","slug":"moneyharmony-quiz","status":"publish","type":"post","link":"https:\/\/moneyharmony.com\/moneyharmony-quiz\/","title":{"rendered":"Take The Moneyharmony Quiz!"},"content":{"rendered":"\n
This quiz will show you which of five major money personality types most closely matches your own tendencies: Hoarder, Spender, Money Monk, Avoider, or Amasser. (If you’re the sixth major type \u2014 a ‘Money Worrier’ \u2014 you already know it!) Bear in mind that each type has both good qualities and shortcomings, and that most people are in fact a combination of types. This isn’t a statistically valid survey, of course \u2014 just a way to help determine which money types prevail in your makeup. For each of the 20 statements in the quiz, choose the answer that strikes you first as being closest to your attitude. Record your answers on a separate sheet of paper. There is no right answer. Just be as honest with yourself as you can \u2014 and have fun!<\/p>\n\n\n\n
This quiz is taken from Chapter One of\u00a0Money Harmony: A Road Map for Individuals and Couples, by Olivia Mellan and Sherry Christie.<\/p>\n\n\n\n
1. If $20,000 came to me unexpectedly, my first impulse would be to:<\/strong><\/p>\n\n\n\n 2. When it comes to dealing with my money:<\/strong><\/p>\n\n\n\n 3. My primary financial objective is:<\/strong><\/p>\n\n\n\n 4. When it comes to budgeting my money:<\/strong><\/p>\n\n\n\n 5. When it comes to spending:<\/strong><\/p>\n\n\n\n 6. When I think about financial record keeping:<\/strong><\/p>\n\n\n\n 7. When it comes to saving:<\/strong><\/p>\n\n\n\n 8. When it comes to borrowing:<\/strong><\/p>\n\n\n\n 9. When it comes to lending money:<\/strong><\/p>\n\n\n\n 10. As far as credit cards are concerned:<\/strong><\/p>\n\n\n\n I don’t like to use credit cards, and think that people who do are asking for trouble.I use credit cards a lot and tend to make the minimum payment most of the time.I don’t mind running up a large balance, as long as I can pay it off quickly.I’m often surprised by how much I owe, especially when late fees are added in.I’ve always tended to avoid using credit. I prefer paying by debit card or cash.<\/p>\n\n\n\n 11. In the event of a financial emergency:<\/strong><\/p>\n\n\n\n I don’t know if I have enough saved, so I just hope for the best.I hope I could rely on friends or bartering services.I never have enough money left over to save for emergencies.I’ve put aside a sizable amount for emergencies, but I’m not sure it’s enough.I’ve saved enough for almost any emergency, but hope I never have to spend it.<\/p>\n\n\n\n 12. As far as paying taxes is concerned:<\/strong><\/p>\n\n\n\n I’m always astonished to find out how much tax I owe.I save regularly for taxes, and usually file my return well before it’s due.I hate the whole thing and try to get it done with as little fuss as possible.I always have to scramble to get my return done and find cash to pay my taxes.I take pride in paying less on my increased income, if I can.<\/p>\n\n\n\n 13. To feel totally satisfied with my annual income, I would need:<\/strong><\/p>\n\n\n\n My employer to match every dollar I put into my 401(k)At least twice as much as I’m earning now.I’m sure I could use more money, but I have no idea how much.I’m fine the way I am. More money would make me feel uncomfortable.To have someone else pay my bills, so I can spend the whole paycheck!<\/p>\n\n\n\n 14. When it comes to investing:<\/strong><\/p>\n\n\n\n I always let my dividends compound to maximize my return.If I were to invest, I’d want someone else to make all the decisions for me.I only invest in safe, conservative choices like CDs.I’ve always wanted to try something wild that might end up making me rich.If I were to invest, I would choose only socially responsible companies.<\/p>\n\n\n\n 15. When I really want to buy something that’s not in my budget:<\/strong><\/p>\n\n\n\n What budget? Everything will work out all right.I’d have to think hard before giving myself permission to spend the money.I’ll buy it whether or not I can afford it.Most of the things I want are not expensive, so I can afford to buy them (even though later on I’ll probably wish I hadn’t)If it’s important enough, I’ll tweak my portfolio. Otherwise, I’ll forget about it.<\/p>\n\n\n\n 16. When I think about money in general, to me it represents:<\/strong><\/p>\n\n\n\n Security.Happiness, pleasure, and excitement.A sense of greed and possibly corruption.A source of anxiety and conflict.Power, prestige, and freedom.<\/p>\n\n\n\n 17. I would apply for a bank loan under these circumstances:<\/strong><\/p>\n\n\n\n 18. I worry about money:<\/strong><\/p>\n\n\n\n 19. When I think about providing for my future:<\/strong><\/p>\n\n\n\n I’m quite concerned, since it’s been so hard for me to save.All I can do is hope the future will take care of itself.Since I’m planning to have plenty of money, the future will probably be fine.I feel reasonably confident, since I’ve been saving systematically for years.I think making a difference with one’s life is much more important than money.<\/p>\n\n\n\n 20. If I won a million dollars in the lottery, my first reaction would be:<\/strong><\/p>\n\n\n\n To feel guilty, thinking about impoverished people who have nothing.To feel relieved that my future was now secure.To be totally overwhelmed. I would have no idea how to handle it.To start thinking about ways to make it grow and use it for my own enjoyment.To be wildly excited, realizing that from now on I could buy anything I wanted.<\/p>\n","protected":false},"excerpt":{"rendered":" This quiz will show you which of five major money personality types most closely matches your own tendencies: Hoarder,…<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[1],"tags":[],"featured_image_src_large":false,"author_info":{"display_name":"Money Harmony Team","author_link":"https:\/\/moneyharmony.com\/author\/money-harmony-team\/"},"comment_info":39,"category_info":[{"term_id":1,"name":"Money","slug":"money","term_group":0,"term_taxonomy_id":1,"taxonomy":"category","description":"","parent":0,"count":2,"filter":"raw","cat_ID":1,"category_count":2,"category_description":"","cat_name":"Money","category_nicename":"money","category_parent":0}],"tag_info":false,"taxonomy_info":{"category":[{"value":1,"label":"Money"}]},"_links":{"self":[{"href":"https:\/\/moneyharmony.com\/wp-json\/wp\/v2\/posts\/1017"}],"collection":[{"href":"https:\/\/moneyharmony.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneyharmony.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneyharmony.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyharmony.com\/wp-json\/wp\/v2\/comments?post=1017"}],"version-history":[{"count":4,"href":"https:\/\/moneyharmony.com\/wp-json\/wp\/v2\/posts\/1017\/revisions"}],"predecessor-version":[{"id":1024,"href":"https:\/\/moneyharmony.com\/wp-json\/wp\/v2\/posts\/1017\/revisions\/1024"}],"wp:attachment":[{"href":"https:\/\/moneyharmony.com\/wp-json\/wp\/v2\/media?parent=1017"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyharmony.com\/wp-json\/wp\/v2\/categories?post=1017"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyharmony.com\/wp-json\/wp\/v2\/tags?post=1017"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n
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