Am I Good with Money Quiz: Check Your Everyday Money Habits

1. How often do you check your bank account balance?

Every day — I always know exactly what's in there

A few times a week to stay on top of things

Once in a while, when I remember

Rarely — I prefer not to look

2. You receive an unexpected $200. What do you do with it?

Put it straight into savings without thinking twice

Save most of it and treat myself to something small

Split it between fun and savings equally

Spend it on something I've been wanting — it's a bonus!

3. Do you follow a monthly budget?

Yes, I have a detailed budget and I stick to it

I have a rough budget and mostly follow it

I've tried budgeting but it never really sticks

Budgets stress me out so I avoid making one

4. How do you handle your monthly bills?

They're all on autopay and I track them in a spreadsheet

I pay them on time but don't always track the details

I pay them when I remember, sometimes a bit late

Bills pile up and I deal with them when I have to

5. You're at the store and see something you love but didn't plan to buy. What happens?

I walk away — if it's not in the budget, it's not happening

I think about it and come back if I still want it later

I buy it if it's reasonably priced and I can afford it

It goes straight into my cart — I deserve it!

6. How much of your income do you save each month?

20% or more — saving is a non-negotiable priority

Around 10–15% most months

Whatever is left over at the end of the month

I don't really save — there's never much left

7. How do you feel when you talk about money with others?

Confident — I enjoy discussing finances and sharing tips

Comfortable — I know enough to hold my own

A little awkward but I manage

Anxious — I'd rather avoid the topic entirely

8. Do you have an emergency fund?

Yes, I have 3–6 months of expenses saved up

I have some savings set aside for emergencies

I have a little saved but not enough for a real emergency

No — I'd have to figure it out if something came up

9. When you go out to eat or shop, how do you decide how much to spend?

I set a limit before I go and stick to it

I have a rough idea and try not to go overboard

I spend based on my mood that day

I don't really think about it until I see my bank statement

10. How do you approach financial goals like buying a car or going on vacation?

I create a savings plan and work toward it systematically

I set a goal and save toward it, even if progress is slow

I dream about it and save when I can

I just put it on credit and figure out payments later

11. How do you handle credit cards?

I pay the full balance every month without fail

I try to pay in full but occasionally carry a small balance

I pay the minimum and try to chip away at the balance

I use credit freely and worry about the bill later

12. How do you feel at the end of the month financially?

Great — I've hit my savings goal and stayed on budget

Pretty good — I've mostly stayed on track

Mixed — some months are better than others

Stressed — I'm not sure where all my money went

13. Do you invest any of your money?

Yes, I have a diversified investment portfolio I manage actively

Yes, I contribute to a retirement account or index funds

I've thought about it but haven't really started yet

Investing feels too complicated and risky for me

14. When a friend suggests an expensive outing, what do you do?

Check my budget first and only go if it fits

Go but look for ways to spend less while still having fun

Go along and deal with the financial hit later

Feel anxious about the cost but go anyway to avoid awkwardness

15. How would you describe your overall relationship with money?

Money is a tool I manage carefully to build the life I want

I respect money and try to make smart decisions with it

Money comes and goes — I try to enjoy it while I have it

Money is a source of stress that I'd rather not think about