How Good with Money are You?

By: Brian Whitney
Estimated Completion Time
5 min
How Good with Money are You?
Image: Shutterstock

About This Quiz

As much as we all hate to admit it, money makes the world go around. Some of us are naturals when it comes to saving, while others are financial disasters, how good with money are you?
What do you do with your change?
You save it all and bring it to the bank once a year.
You save it up for a month and then bring it to the bank.
You spend it as it comes.
Anything less than a quarter you just throw away.

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How much money have you borrowed from your parents as an adult?
Nothing.
1 - 99 dollars.
100 - 999 dollars.
Over 1000 dollars.

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Have you ever borrowed money and not paid it back?
No, that would be wrong.
No, but it has taken you a little while to pay it back on occasion.
Yes, just once.
Yes, more than once.

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Do you ever not know how much is in your checking account?
No, that would be weird.
You know within 10 dollars or so.
You pretty much know what is in there.
You often have no idea what is in there.

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Has your credit card ever been declined?
No, are you kidding?
Yes once.
Yes, a couple times.
Yes, all sorts of times.

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If you lost your job, how long could you live off savings?
5 or more years.
A year.
A couple of months.
You don't have any savings.

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Where do you go on vacation?
You travel abroad, but choose something in your budget.
You usually go somewhere in the U.S. but far from home.
You travel in state.
You don't take vacation.

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What is the value of your car?
Over $20,000.
Over $10,000.
Over $5,000.
You don't have a car.

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How many accounts have you ever had in collections?
None.
Less than 5.
5-10
More than 10.

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Has your spending ever caused problems in your relationship?
No, why would it?
You've had arguments about money, but not big ones.
Yes, sometimes your partner says you are bad with money.
No, but being poor has.

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How many nights a month do you go out to lunch or dinner, or go have drinks?
Less than 5 times.
5-10 times.
10-15 times
Over 15 times.

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Are you a good tipper?
You tip reasonably well, 15-20 percent.
You tip 20-25 percent.
Oh yeah you are: you tip around 30 percent.
You either don't go out or when you do, you tip around 40 percent.

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You have plenty of shoes, but you see and want an expensive pair, what do you do?
Nothing, you don't need them.
You save up for them.
Put them on a credit card.
Pay for them with your rent money.

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Where you live?
In a place you own outright.
In a place you own with a mortgage.
You rent my own place.
You live with roommates.

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What is your retirement plan?
You have a 401k, an IRA, and some savings.
You have savings.
Nothing right now, but you still have time.
Who cares? The future may never come.

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Where do you keep most of your money?
A 401k.
The Stock Market.
A savings account.
A sock in my bureau.

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Which word describes you best?
Safe.
Solid.
Carefree.
Scattered.

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Have you ever been late on your taxes?
That would terrify you.
Just a couple days.
Yes, by a few months.
You are late all the time.

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Have you ever had a car repair you could not afford to fix?
No.
Once or twice, but you figured it out.
Yes and it was super stressful.
Yeah, it happens all the time.

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If you have to borrow money, who do you borrow it from?
No one.
Your parents.
Your credit card.
A payday loan place.

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How important is money?
Extremely, you can't be happy without it.
It is important, but other things matter more.
You think it is important, but not as much as most people you know.
Not important at all, the whole thing is a trap.

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Would you do a job you hated with a passion for million of dollars a year?
Of course, that is a no brainer.
Yes, but you hate to admit it.
No, you might try, but you don't think you could do it.
No way, you're doing your own thing.

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You live in the Northeast, and it is cold, but you are broke and want to go to Miami for a few days. Do you go?
Not if you can't afford it.
You would think about it, but you would not go if you were broke.
You would just put it on a credit card.
You would go, there must be some hostels there.

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You just got a large amount of money unexpectedly, what do you do?
Save all of it.
Spend a little on yourself, and save most of it.
Go on a nice vacation and maybe buy a used car.
Quit your job and live off it for 6 months.

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What do you want most out of money?
To have enough so you never have to worry.
To have enough to know you will be okay when you are older.
To have enough to enjoy life.
To have enough so that you can go out partying tonight.

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Could you have a long term relationship with someone less financially stable than you?
No way, there is something wrong with people like that.
Only if there was a reason for their money issues.
You don't think you would care, but having someone that made less money than you could be a problem.
You would not care at all.

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How do you shop for food for the week?
You buy everything you need at the store.
You buy most of what you need, but might go out on occasion.
You get a few things, but you go out to eat a lot.
You get all my food out.

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How much do designer labels mean to you?
Nothing.
You try to shop sensibly but you do like having trendy things.
You love having expensive clothes because it makes you feel special.
It is hard enough for you to buy new clothes that are cheap, forget about expensive ones.

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What is the most money that you spent this year just going out on a random night?
50 dollars.
100 dollars.
150 dollars.
Over 200 dollars.

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After you spent some money going out, could you still pay your rent?
Of course: you have a lot in savings.
Yes, you always make sure you stay on budget.
Yes, but it was tight.
Nope, why do you ask?

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You Got: