Money Mind: Are You a Saver or a Spender?

What are you like when it comes to money? Do you like to splash your cash or put a little aside for something you really want? Find out with this quiz! And for more awesome activities, visit NatWest Thrive - With Marcus Rashford!

1/10

It’s the weekend and you have a pocket full of cash! Do you…

Spend it all straight away

Put half of it in a hard-to-reach pocket, then buy something you want 

Work out what essential things you need to buy, then save the rest  

Work out what you need, save some, then spend the rest on anything you like 

2/10

If you run out of money or don’t have enough, do you… 

Borrow from friends and family, and maybe pay it back eventually 

Borrow only half of what you need, then work out a way of earning the rest

Borrow only what you need, and plan how to pay it back 

Go without

3/10

3/10 Which of these have you tried to earn extra money?

Doing chores

Selling things on Depop

Walking the dog

Running a lemonade stall

4/10

Which of the following do you usually do... 

Buy things quickly without really thinking 

Go to buy something, then spend ages deciding if you really need it 

Think carefully before you buy things 

Only ever want things you believe you can afford 

5/10

If your mates asked you to go and do something expensive when you’ve got no money, what would you do... 

Borrow the money from someone 

Borrow some from your mates and plan a way of paying them back 

Go, but take a set amount of money from your savings if you have them

Stay in, and catch up with your mates another time 

6/10

It’s your birthday and you’ve received a good amount of money. Do you... 

Go out and spend it on yourself and your friends

Keep exactly half and splash the cash 

Spend some and save some

Save it all for something you really want or need 

7/10

Would having access to money really make you happy? 

Of course! I love to buy things I like 

Maybe, maybe not. It all depends on the situation 

Only if it’s money I’ve saved and have budgeted for 

It may feel fun for a moment, but being careful with money is more important in the long run 

8/10

Do you enjoy saving for things you really want? 

I love to get things immediately! 

I like saving up, but I also I like to spend! 

I’d like to say I have the patience to do that, but it’s not always easy

Saving with a goal in mind can be fun and satisfying 

9/10

You’d like to make a big purchase. How would you go about it? 

Borrow some money from my grownup  

Work out how much I have, save the rest, then wait to see if I need it 

Save up, I suppose 

Wait a couple of days and see if I feel the same, then begin to save if I really want to buy it 

10/10

Your favourite shop is having a sale. Do you… 

Go and get lots of bargains, even if they’re things don’t you really need 

Give half to a grownup for safe keeping, then go and find a bargain 

Have a look, you might see something you’ve been after for a lower price 

Have a look, but buy something you really want only if you can afford it  

You’re a: SPENDER! 

You sound like you make quick decisions about spending and live in the moment. Not planning might lead to risky decisions and so learning about how to manage money and plan for things could be helpful in achieving goals and ambitions, especially those related to having things. Think about what might be better in the future. Spend now or save for later? 

You’re a: SAVER-SPENDER! 

You spend exactly half of the money you have, then carefully save the rest. You understand that saving is important but you also know how to have some fun when you hit the shops! 

You’re an: OCCASIONAL SAVER! 

You’re able to make reasoned and controlled decisions about spending most of the time, and have a good balance between splashing the cash and stashing away for a rainy day. But ask yourself, are there advantages to being more of a spender than a saver?  

You’re a: SAVER! 

You’re really careful with money, and might not feel able to spend it whenever you like. Remember, there is nothing wrong with wanting more, or planning for ways to have more rewards and treats as long as it doesn’t impact negatively on you! 

Re-take the Quiz!

This has been part of NatWest Thrive with Marcus Rashford – find out more about how they want to help build your confidence and more fun games!