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What is Your Money Personality?

Here is an exercise that will help you begin to determine your money personality. Pick the shape below that best describes your money personality.


Let us know your Money Personality by answering the poll at the bottom of the page.



Circle:  You are the lovers, the givers, some might even say the suckers.  You are the person that people go to if they are short on cash, or their kid is collecting money for their soccer team, or worse, your child is in financial distress and you are “helping them out.”  First, there is nothing wrong with giving, but know your limits.  Have a plan of how much you can afford to give weekly, monthly and yearly.  If need be, you may need to cut down on your other expenses so you can fulfill your giving obligations. Sometimes it is hard to say no, but a good response might be “I am getting my finances together and I just don’t have it within my budget to give right now.”  Also remember, if you are continually giving to another person financial support, ask yourself are you really helping them or are you enabling the other person not to make better financial decisions for themselves? 



Squiggly Line: You tend to be very outgoing, typically unorganized, friendly and an impulsive shopper.  You love a good deal!!  Going to stores can be dangerous for you, there are a million things you “must have” even though you didn’t need them before you went into the store.  But there is hope.  First off, get rid of your debt and credit cards.  Carry cash or have a preloaded debit card.  Then, have a dollar amount allocated within your financial plan that you spend on groceries, entertainment, clothes, hobbies, etc. If you walk into a store with a limited amount of cash you cannot spend more then what you have. Finally, if you make an impulsive purchase, when you get home don’t put it in a closet or drawer.  That way you won’t forget about it and will have a chance to determine whether you really needed it or wanted it.  If you then decide it doesn’t hold the same appeal that it had in the store, return the item.



Triangles: You have the ready, aim, fire personality, the risk takers.  You love the chance of the big payoff.  You might invest in the stock market or go to the casinos to win your fortune.  At times, there is nothing wrong with that, but focus on how much you can afford to lose not how much you might win.  This needs to be planned for within your budget, after all the other expenses are met.



Squares: You are the people who really want to budget.  You make a plan to start, and have good intentions, then something happens and you have to wait until next week (or month or year), to start again.  It’s like a diet, if your not on it your off it.  You need to stop “budgeting” and start thinking of it as a financial plan. When you make mistakes don’t give up. This is not all or nothing. Gather your resources, set your financial goals and create a plan to get to where you want to go.



Rectangles: You guys seem to have it all together.  You keep good records, set financial goals and you have a plan.  You are the people who can put everything on a credit card and pay it off at the end of the month, just to reap the rewards that the credit card companies offer.  You are what most people aspire to be, but keep focused and continue to adjust goals and prioritize your expenses.


This activity is not meant to label anyone and you may find that you are a combination of styles. The point is that in order to have a financially fit lifestyle, you have to look deeper at your money values and personality.  Your personality was formed early in childhood through experiences and observations.  You are then influenced by societal pressures and media advertising.  Understanding the factors that influence your views regarding money can help you determine which of your spending habits are healthy and what triggers you to buy on impulse.


 It is important to know also the money personality of your partner so that you can work as a team to achieve your family’s financial goals. Interestingly, many marriages are made up of a squiggly and rectangle, wonder why?  Maybe it is true that opposites do attract.


Take the poll below to find out how your Money Personality fits into the rest of the population.


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