QUIZ: How Good Are Your Spending Habits?

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This quiz was created in collaboration with Smart Stewards, a financial literacy platform.

Do you spend more money than you make in a month?
Never.
Only during emergencies.
If there’s a special occasion, yes, but I always try to make up for it.
I’m not sure.
All the time. I don’t make enough to not do that.

Correct!

Wrong!

How often do you eat out?
Somewhere between ‘never’ and ‘rarely’.
A few times a month.
Once or twice a week.
Every other day.
Every single day. Cooking isn’t for me.

Correct!

Wrong!

What’s the very first thing you do after receiving a credit alert?
Save a predetermined percentage.
Pay my bills.
Take myself out.
Pay off any debts I might have.
Honestly, it depends on the month.

Correct!

Wrong!

How often do you borrow money from friends and family?
I’m not about that life.
Only when there’s a major emergency.
Only for business projects.
Every other month, but I always pay it back.
More than I’d like to admit.

Correct!

Wrong!

How many subscriptions — like Netflix, a gym or DSTV — are you paying for that you don’t use regularly?
None.
I’m not sure.
Just one. I might still use it, please.
Two at most.
Three or more.

Correct!

Wrong!

On a scale of 1 to 10, how much of an impulse spender would you say you are? (10 = “I have no chill at all.”)
1 or 2
3 or 4
5 or 6
7 or 8
9 or 10

Correct!

Wrong!

How often do you spend beyond what you budgeted in a month?
I don’t even have a budget. Let’s start there.
Only when there’s an emergency.
Let me not lie: Every other month.
It rarely happens.
I never do.

Correct!

Wrong!

You’ve spent your clothes budget for the month, then you spot a 50% off sale at your favourite store. What do you do?
Go on a shopping spree. I can’t say no to a deal.
Only buy a few cheap things.
Buy only one thing and run out of the store.
Honestly, it depends on my mood that day.
Ignore the sale completely.

Correct!

Wrong!

Do you use shopping as a way to cheer yourself up?
No, I don’t.
Only when I’m very, very sad.
Yes, but not often.
I do, but I try not to spend too much.
All the time. Don’t judge me.

Correct!

Wrong!

Do you compare prices in other places before buying something?
Nope. No time.
I do it but not often.
It depends on what I’m buying.
Yes. I usually check one or two competitors.
Yes. I check at least three competitors.

Correct!

Wrong!

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