1. You have some friends coming round and they will need to have a meal

A. Ring up for a takeaway
B. Buy a ready meal to put in microwave/oven
C. Look through some recipe books for ideas
D. Carefully choose a recipe and follow it exactly
E. Ask each friend to bring a dish and you all share

2. What are your thoughts about how you manage your money?

A. I never think about it
B. I get by
C. I think that I should be better at managing it
D. I’m pretty good at keeping control of it
E. People ask me for advice

3. Having savings is:

A. Something other people do
B. Impossible, however much you try
C. Something you aim towards
D. An important part of managing your money
E. The whole point of your life

4. How often do you borrow money from your friends or relatives?

A. It seems I always owe someone something
B. From time to time
C. Very rarely
D. Never
E. They always want to borrow from me

5. When you go shopping:

A. You buy whatever you fancy
B. You have an idea of what you want, but are always distracted by other things.
C. You make a list, but don’t always stick to it
D. You always have a list and stick to it
E. You buy whatever is cheapest

6. When something’s gone wrong in your life, what effect does shopping have?

A. It makes everything better
B. It helps take my mind off the problem
C. It doesn’t really help
D. I would never go shopping just because I was upset
E. Spending makes me feel worse

7. What would you say is your main aim in life when it comes to money?

A. I don’t really have one
B. To be able to buy whatever I want
C. To have enough to treat myself regularly
D. To always know what’s coming in and going out
E. To save as much as possible

8. At the end of each month you have:

A. No idea what you have spent
B. Added to your overdraft or credit card limit
C. Spent all your money
D. Carefully worked out next months income and spending
E. Put plenty of money aside for savings