Please answer the following questions. There are no right or wrong answers, and your answers are anonymous. Please read your result description carefully before proceeding to part 2.
I have enough money set aside to get through
I would have to borrow from family or friends
I have some money but would have to use credit cards
I haven't really thought about what I would do
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I pay off the entire balance
I try to pay off the balance if I can, but not always
I pay the minimum
I don't have credit cards
I throw it in a pile of other bills and forget about it
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I shop around to get the best interest rate
I take whatever looks best to me
It would be difficult for me to get a loan
I don't know what would happen
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I am saving based on a goal amount
I am saving but I have no idea if it’s enough
I’ll deal with saving for retirement at a later time
I know I need to but I can't afford it right now
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I don’t have any; I’m focused on day-to-day
I have goals in mind, but haven’t done anything yet
I am currently working towards a specific financial goal
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I notice immediately and research it
I would probably never notice
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I have used one in the past year
I have not used one in the past year
I have used more than one in the past year
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It's difficult because I need the money now
It's something I do when I can
It's set aside from my paycheck
I don't have any savings and I'm not concerned
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I examine it and pay it immediately
I’ll eventually pay it in a week or so
Worry about how I’m going to pay it
I ignore it
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I know how much I owe along with the interest rates
I know how much I owe but not the interest rates
I don't really think about how much I owe
I know how much I owe and it's hard for me to keep up with it
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I save for it and price-shop in the meantime
If I think I'll have the money in the next few months, I'll put it on a credit card now
I forget about it because I could never afford it
I buy it immediately
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I feel like I've made an educated decision but will probably revisit
I pick whatever seems reasonable and move on
I don't have any savings
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Confident
Stressed out
I don't really think about my finances
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