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What's Your Spending Style? Frugal Saver vs Big Spender
No-spend challenge or flex culture — which side are you on? Twelve questions, from payday habits to impulse buys, reveal your money personality. 12 questions, about 30 minutes to complete. Answer honestly and find out which of the 3 types you are.
questions 12
30 min
Saver Extraordinaire! The Frugal Treasure Keeper
You enjoy saving more than spending! With meticulous planning and a saving mindset, you're preparing for the future. There's no feeling quite like seeing your savings grow. The thrill of the haul never quite beats that. You can hold back for one more beat when it counts.
- The Financial Planning Master — Keeping a budget book is a must, and making a budget is a given. Spending is always planned.
Balancing Smart Spending & Saving!
You're wise with your spending and saving! You enjoy valuable spending and don't neglect saving for the future. You're great at understanding and controlling the flow of money.
- The Connoisseur of Worthwhile Spending — You prefer investing in places that offer high satisfaction, rather than just buying something because it's cheap.
YOLO Life! Pursuer of Today's Happiness
'Life is short!' You spare no expense in enjoying the day! You have a refreshing personality that doesn't hesitate to splurge on what you want, relieving stress through spending and also being generous to those around you.
- Trendsetter — I need to try the latest items and hotspots to feel satisfied. I'm sensitive to trends and enjoy trying new things, and you have a real eye for what is coming next.
All Questions
Q1
Choose the first thing you do when you receive your paycheck.
- I save money and minimize unnecessary expenses.
- I make sure to deposit money into my account before spending it.
- I enjoy spending money, so I put off saving for later.
- I'd rather not spend money and just save it.
Q2
What do you do when you want something?
- If I don't have enough money, I put it off or give up on it if I don't really need it.
- If I don't have enough money, I wait until I do, or I don't do it if it's not necessary.
- If I don't have enough money, I'll buy it anyway and worry about saving later.
- If I don't have enough money, I won't buy it at all.
Q3
What would you do if a friend suggested buying an expensive gift?
- I'd buy the expensive gift, but return it if it's not needed.
- I wouldn't buy the expensive gift.
- I'd buy the expensive gift and have my friend pay me back.
- I wouldn't buy the expensive gift, but I'd give a different gift instead.
Q4
Choose how you handle sales.
- I buy during sales.
- I don't buy during sales.
- I buy during sales, but return if I don't need it.
- I don't buy during sales and shop elsewhere instead.
Q5
Choose why you make impulse purchases.
- If I don't need it, I'll get rid of it because it's a waste of money.
- If I don't have enough money, I'll wait until I can afford it.
- Even if I have the money, I tend to make impulsive purchases.
- If I don't have enough money, I won't buy it at all.
Q6
Choose your savings method.
- I save 20% of my monthly income.
- I save 50% of my monthly income.
- I save 70% of my monthly salary.
- I save 100% of my monthly salary.
Q7
Choose the reason why you engage in luxury and flex spending.
- I don't have enough money, so I never buy these items.
- I have the money, but I buy on impulse.
- I have the money, and I enjoy luxury and flex spending.
- I don't have enough money, so I never buy these items.
Q8
Choose why you subscribe to services.
- I don't have enough money, so I never subscribe.
- I have money, but I subscribe impulsively.
- I have money and I enjoy subscription services.
- I don't have enough money, so I never subscribe.
Q9
Choose how you manage your travel expenses.
- I budget and save for all expenses before traveling.
- I budget for some expenses before traveling and figure out the rest as I go.
- I don't budget for expenses before traveling and just go with the flow.
- I budget and save for all expenses before traveling.
Q10
Choose why you would engage in second-hand deals.
- I don't do second-hand deals because I'm short on money.
- I have the money, but I make impulsive second-hand deals.
- I have money, but I enjoy second-hand transactions.
- I don't have enough money, so I never make transactions.
Q11
Choose the reason you save for the future.
- I don't save for the future.
- I save for the future, and return items if I don't need them.
- I save for the future and don't return items even if I don't need them.
- I save for the future and don't return items even if I don't need them.
Q12
Choose your spending habit.
- I save and get rid of things I don't need.
- I save.
- I enjoy spending and get rid of things I don't need.
- I enjoy spending and get rid of things I don't need.
This is a personality-style test made for fun, not a clinically validated psychological assessment. It takes about 30 minutes and your answers are used only to show your result — nothing is saved beyond that unless you choose to share it.
Start the test