Uncover your Hidden Money Mindset Quiz

You happily settle the whole bill because you already knew roughly how much it was going to cost and you know you can afford to pay, because you’d chosen a restaurant that was within your price range
Even though the bill is really high, you pay the whole bill because your friends gave you great gifts and you want to treat them.
You feel that everyone should pay for what they had and carefully work out who owes what.
You spend most of the evening panicking about how much this is going to cost and how the bill is going to be paid.

Ask them to pay the going rate as they are all working and your rates are reasonable, but give them a free CD with their photos on it.
Nothing, because you already had them pay up front for the time they’d booked.
Worry about them taking advantage of you as they are acquaintances and expect a discount, but give them a discount anyway, which you then regret.
Give them a massive discount even though they expect and can afford to pay the going rate.

Charge only for the time they were with you and advise them politely that they will be charged for the full amount of time if they are late again.
Charge for the time they were with you and say nothing about their lateness.
Have a difficult session and find it hard to concentrate because you’re annoyed with them for being late, and don’t encourage them to book another session.
Disregard the true value of your own time and just feel grateful that the client turned up and paid you.

Go order the drinks because it’s your turn to buy and, you can afford it, and that’s the unspoken ‘rule’.
Offer to get everyone an extra shot with their drink because… what the heck!
Get your own drink because the others haven’t quite finished their drinks yet, and you’re planning to leave early anyway.
Go to the washroom because you have no money in your wallet and have forgotten your credit card and hope that someone else will have bought the team drinks by the time you get back.

Agree an affordable budget with your family and think really hard about choosing something special for each person.
Get great gifts for everyone on your credit card because you can pay it off next month when the bill comes in.
Buy a selection of gifts because they’re a good price and then come up with a reason why that person would like to receive that gift.
Leave it too late to benefit from time-limited discounts and end up buying expensive gifts that may or may not suit the individual.

Ask for a pay review at your next meeting with your manager and have a summary ready explaining why you deserve a pay rise.
Demand a pay review and pressure your boss with emotional blackmail.
Show your boss a list of your achievements at your next meeting but say nothing about a pay review – and then feel disappointed with them (and yourself) afterwards.
Hope your manager notices how much effort you are putting in and feel thankful that you have a job.

Have your share paid directly from your bank account as you have budgeted for this and knew this bill would be larger than normal.
Write a check for your share and give it to the person who organizes the bills, even though you’re not sure if your account will go overdrawn.
Ask for your share of the bill to be reduced because you were away for some of the period and anyway you don’t use as much energy as everyone else.
Stay out as much as possible and avoid your housemates, hoping the situation will go away.

Robust –you have taken advice from a financial professional and have a range of affordable savings plans in place for you and your family which you review every year.
Not a worry – you have a good job and will get an inheritance from your parents and you also play the lottery every week.
In place but still a worry – you are concerned about your current and future responsibilities, and worry that your children will inherit your attitude towards money.
Bleak – you are going to have to work until you die and you feel cheated by ‘the system’.

Make plans to talk to your boss and find out how you can improve your promotion prospects and discover what other opportunities exist within and outside the company.
Feel gutted as you had already taken out a lease on a new car based on the higher salary you assumed you would get.
Struggle to get over losing out on the promotion and feel depressed about your promotion prospects, especially as you know the other person has the same experience as you.
Stop speaking to your colleague, feel angry at your boss and sulk at work for the next few weeks.

Pay a fair share based on what you earn, and choose a holiday that is within your budget and will be a lot of fun.
Insist on paying for the holiday yourself as you really want to go bungee jumping with dolphins on the other side of the world.
Go on a trip that isn’t quite what you wanted to do but it’s what your partner can afford when you split the cost 50/50.
Take forever to make up your mind and miss the early booking deals, ending up choosing on cost alone instead of on the experience.

Uncover your Hidden Money Mindset