Write down your answers for each to get your Money Mood Score...
          ...then click the link at the end to find your Money Mood Personality.
 
1 – When I think about saving money for my future:
A. I believe that the Universe will align everyone and everything necessary to bring my dreams to fruition so enjoying today is the only way to go!
B. It feels like I will never accumulate enough financial assets so I’d better buckle down, work harder and save more ‘cause you never know…
C. I get a little panicky because I always seem to give my money away, which has not left much in the way of savings for me and my future.
D. I feel pressure hoping I calculated accurately so that I am putting enough money into my IRA, my savings account and my investments for my children’s future.

2 – As far as following a budget goes:
A. Budget schmudget! What a drag… I prefer to be spontaneous and deal with paying the bills later.
B. I am proud to say that I am a minimalist. My needs are simple and I am extremely disciplined when it comes to adhering to my budget.
C. I closely monitor monthly expenses and stay within a strict budget, but I always feel that I could be more vigilant.
D. I have to admit that I squeak by most months because I have trouble saying No when there are so many worthy causes.

3 – The way I feel about credit cards is:
A. I don’t like ‘em. I pay everything with cash, checks or money orders.
B. They’re a convenient but necessary evil. They make me nervous so I pay them off in full every month.
C. I try to pay at least the monthly minimums. I tend to buy a lot of gifts with my credit cards.
D. Love ‘em! Well, I love them when I’m at the mall, but when it’s time to pay bills… not so much.

4 – I would borrow money:
A. If the loan was short-term with a competitive interest rate. Even then I’d feel anxious about re-paying it asap.
B. To build an animal shelter.
C. To buy my dream home, take vacations, get a Mercedes Benz.
D. As a last resort. I never want to owe anything to anyone.

5 – My favorite Uncle Fred unexpectedly left me $75,000 in his will. I am inclined to:
A. Feel relieved to have so much money to put towards my kids college fund, but worried that I might not be investing it in the best way.
B. Have a whopper of a shopping spree followed by that trip to Australia that I’ve always wanted to take, flying First Class, of course!
C. To put half in my savings account and cleverly hide the other half in my house.
D. Give to my favorite charities and help out my brother and his family. Then I’ll see if there’s any money left to pay my bills.

6 – To me money means:
A. Security. Spending it makes me feel uneasy, but saving it makes me feel proud and safe.
B. Philanthropy. I do my best to stay on top of my bills, but money is for sharing and giving and making a difference.
C. Pleasure! Spending it gives me such an instant gratification rush.
D. Reward. The harder I work, the more I should be compensated.

7 – If, God forbid, I had to deal with an emergency:
A. I’d be feeling stress-overload for not being as thrifty a saver and as shrewd an investor as I could have been.
B. I’d be freaking out. I guess I would have to rely on the kindness of strangers….
C. I’d be upset with myself for giving away what I should have been saving…
D. I’d scramble around my house and find all of the money I’ve secretly socked away.

8 – I’m in the mall and I see something I don’t really need, but I REALLY want:
A. I would feel guilty treating myself to something frivolous when there are so many people and animals suffering in our world.
B. I’m buying it! Carpe diem! It makes me happy to buy what I want and being happy is the purpose of life!
C. I am not about to blow my money diet! Besides I’m addicted to saving money, not spending it.
D. I’d have to feel that I have worked hard enough to earn a reward to even consider buying something like that

 
Now that you’ve taken the quiz (hope you had a laugh or two), it’s time to “score” it. 
Examine each answer carefully.  You will quickly notice each answer correlates to one of the four Money Mood personalities (identified in the Answer Key). 

"Susan McEuen has been our personal financial advisor for over twenty years. She has managed our investments with extraordinary skill through periods of booming prosperity and through times of extreme financial turbulence.  She has a keen understanding not only of the nuts and bolts of money management, but also of the psychology of it—the fears, the irrational needs, and the upsets, or in other words, the emotional baggage that inevitably gets attached to money. She is intelligent, but understandable, expert but down-to-earth, savvy but kind, caring, and gracious. This book, like Susan, is a perfect blend. It is filled with vital information that is interesting and enjoyable, a rare find.”  
   ~ Amy Hardison