A. Buy a new car.
B. Put it in your savings account.
C. Invest it to make more money.
D. Hit the shops and blow it all on a new wardrobe.

A. I usually pay the minimum payment – but then again, I have missed a few lately.
B. I have one, but I pay the entire balance due every month.
C. I don’t believe in credit, so I don’t use them.
D. I use them to juggle my finances, and they frequently see me through thin financial weeks at the end of the month.

A. Freak out – your money is so tight that you can’t afford any extra costs.
B. Stay calm – you always keep some money aside for such emergencies.
C. Mildly panic – you’ve got more than enough money to cover the costs, but you worry about seeing your savings dwindle.
D. Think positive – you would be in a terrible financial bind, but you tell yourself things will work themselves out somehow.

A. At least $1 million – the more the merrier.
B. Double what I’m earning now, so I could save half.
C. It’s hard to pinpoint a figure.
D. Enough to pay someone else to do my work – and cover my lifestyle, too.

A. Monthly, when my credit card statement arrives.
B. A bit, but I know if I keep saving I won’t worry at all one day.
C. Constantly, It always seems to be on my mind.
D. Why worry? The future will take care of itself.

You’re a Spender. You spend all you earn – sometimes more than you earn. You often buy frivolous or luxury items you can’t afford. “A financial advisor can help you implement strategies and guide you on how to maximise surplus, fast-track your debt repayment and direct spending more wisely,” Leah says.

You’re a Saver. You are good with money and regularly set some of your income aside to create a cushion in case an emergency crops up. “Savers are a step ahead,” says Leah. “They will reach their goals faster, especially if they direct their savings to the right places and achieve a return on investment.”

You’re a Stasher; an extreme saver who worries too much about money in the future to enjoy what they earn. “Money is like a drug to a stasher. Once they feel the euphoria of wealth starting to accumulate, they can’t stop,” Leah says. “Unfortunately, they work so hard they forget to invest time in relationships and life in general.”

You’re a Dreamer, with big dreams for a successful financial future, but you’re often reluctant to put in any hard work. You expect money will flow to you, but that’s not how the world of finance works. “It’s never too late to make smart financial choices, so if you’re feeling the pinch, speak to a financial counsellor or advisor, pronto!” Leah says.