This quiz was created in collaboration with Smart Stewards, a financial literacy platform.
How long have you been saving consistently?
I haven’t started saving.
I’ve been saving for less than six months now.
I’ve been saving for about six months to a year.
I’ve been saving for about two to three years.
I’ve been saving for four years or more.
Correct!
Wrong!
What percentage of your income do you save in a month?
None.
Less than 5%.
Between 5% and 9%.
Between 10% and 19%.
More than 20%.
Correct!
Wrong!
Are your savings automated (a fixed amount is automatically deposited at specified intervals)?
I said I don’t save. Leave me alone.
I didn’t even know that was a thing.
I know about automated savings, but I don’t do it.
I did it for a while then stopped.
Yes, my savings are automated.
Correct!
Wrong!
How often do you “borrow” from your savings?
Never.
It’s happened once or twice in the last year. Don’t judge.
Only when there’s a serious emergency.
Every other month. Times are hard.
More than I’d like to admit/I don’t have savings.
Correct!
Wrong!
Do you track how much you spend in a month?
No, I don’t. Who has the time?
I only track big expenses.
I don’t officially track it, but I have a rough idea.
I track it but not religiously.
Yes, even down to the smallest purchase.
Correct!
Wrong!
Which of these best describes you?
I always save before spending
I usually save before spending, but not always
I spend on wants and needs, then save if there’s anything left
I spend on important things, then save what’s left
I barely have enough money to spend, so I don’t save.
Correct!
Wrong!
If you lost your source of income today, how long could you survive on your emergency fund (money set aside for unplanned expenses)?
I don’t have an emergency fund.
A month or less.
Between two and three months.
Between four and five months.
Six months or more.
Correct!
Wrong!
Do you currently have any goals you’re saving towards?
I don’t have any savings goals right now.
I have mostly short-term goals, like a holiday trip to Dubai.
I have mostly mid-term goals, like getting an additional degree.
I have mostly long-term goals, like retirement.
I have a mix of short-term, mid-term and long-term goals.
Correct!
Wrong!
A friend unexpectedly dashes you N100,000. What do you do with it?
Use it to treat yourself.
Use it to pay off debts.
Save first, then spend the rest.
Spend first, then save whatever is left.
Save it all.
Correct!
Wrong!
Pick a word that best describes how you feel about saving:
Indifferent.
Stressed.
Confused.
Scared.
Confident.
Correct!
Wrong!
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QUIZ: How Good Are Your Saving Habits?
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