Are You A Saver, Splurger Or Skater?

Pop into your local Starbucks, they’ll have your daily order ready in a tick

Treat yourself to a caffeine fix and a pastry, Friday was payday and you’re in need of a pick-me-up

Drag yourself to the office and glug down a mug of instant coffee, £3 for a drink is ridiculous

See where the Beckhams have been holidaying this year. If it’s good enough for them…

Impulsively put down a deposit for an all-inclusive getaway and work out how to pay for it later

Use the money you’ve been putting aside each month for a self-catered camping trip in the British countryside

Book a table at the new restaurant you’ve heard rave reviews about. You’re looking forward to treating your friends

Arrange to meet your friends after payday, as you won’t be able to afford it until then

Invite your friends round to your house for homemade pizzas, much nicer (and cheaper) than eating out

You have a range of credit cards and store cards, in addition to a hefty overdraft. Your outgoings are often more than your incomings

You use a credit card when you want to buy something before you’ve been paid but always pay it off each month without interest. You have a savings account that you dip into fairly regularly

You always spend within your means and automatically transfer a percentage of your paycheck into a high interest ISA. If you can’t afford something you save for it until you can

See what you fancy that week, no expense spared only the finest cuts and produce will do

Weekly shop? You just get what you need day-by-day, with food getting more and more basic the closer you get to payday

You make a list of all the meals you plan to make that week and only buy what you need, selecting what’s on offer and using discount coupons where possible