How do you spend?

1. Would you say you’re good with money?

I’m great; I’m serious when it comes to savings
I try, but by the end of the month my 'savings' goals are forgotten
No, I’m bad; I splurge a lot and have never had a good relationship with money

2. Do you currently have any savings?

Yes, for a future goal or a rainy day
No, I spend most of my money as soon as I get it
I have spare money, but I don’t consider it 'savings'

3. How much do you have in savings?

4. Do you regularly add money to your savings?

Yes, via direct debit or another transfer
A bit, but it’s usually at the end of the month when I see what spare cash I have
No, I tend to spend all the money in my account
I don’t have any savings

5. What would you most like to save for? This includes your current savings goals.

An emergency fund
A deposit for a flat or house
A big expense like a car or a dream holiday
Expensive times of the year, like Christmas and birthdays

6. Do you feel like you’re saving enough to reach your future goals?

Yes, I'm saving more than I need to
Yes, I'm saving as much as I need to
Maybe, but I could be saving more
I'm saving as much as I can, but I wish I could afford more
No - I’m not saving anything

7. If you don’t currently save, what’s stopping you?

I can’t afford to right now
I don’t know how to start saving
I don’t have anything I’m interested in saving towards
Nothing - I’m currently saving

8. Do you have a budget that you try to stick to?

Yes and I’m strict about sticking to it
Yes, but I never manage to stay within it
No, I don’t set a budget

9. Do you feel like you’re in control of your spending?

Yes
No

Please explain your answer

10. Have you ever spent money on something that you’ve later regretted?

Yes
No

Please explain what it was and why:

11. Do you ever feel guilty about your spending habits?

Yes, often
Occasionally
No, never

Please explain your answer

12. Do you feel guiltier spending on yourself or others?

On myself
On others
I don’t feel guilty about spending

13. What’s your biggest money worry?

Not having enough money at the end of each month
That I’m not saving enough for my future goals, like a wedding or holiday
That I’ll never be able to get on the property ladder
That I won‘t be prepared for unexpected emergencies, like redundancy
I don’t have any money worries

14. Do you avoid checking your bank balance?

Yes, all the time!
Sometimes, it depends on my mood
Only at the end of the month
No, it’s good to know how much I have

15. Have you ever lied to a partner or loved one over a recent purchase for yourself?

Yes
No

If yes, why?

16. What are you most likely to break your budget for?

Going out for dinner or drinks
Those boots I’ve been lusting after
Something for my home
A holiday or a weekend break

17. Other than living costs, what’s your biggest monthly outgoing?

I spend loads going out with friends
Updating my wardrobe or beauty stash
I always want the latest gadgets and tech
I love to go on holiday or travel
Food, either eating at home or out

18. Why do you think you’re most likely to overspend?

I tend to spend money when I want to cheer myself up or destress
I don’t have a budget to stick to
I feel like I need to keep up with people around me
I don’t know why I overspend

19. Have you ever had to live somewhere you weren’t happy about because of your financial situation?

Yes, I couldn’t afford to move out of a shared home with a partner after a split
Yes, I’m still living with family because I can’t afford to move out yet
Yes, I’m sharing with flatmates because I can’t afford to live on my own
Yes, I’m living in a property I don’t like because I can’t afford to live where I’d like
No, I have never found myself in this position

20. How old are you?

21. How much do you earn each year?

22. Where in the UK do you live?

Which city do you live in?

23. What’s your employment status?

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