letSpeak Up!: Spender or Saver

Spender or Saver

General Habits

Are you a spender or a saver?
Do you save money every month?
Do you spend money when you are stressed?
Do you plan your expenses?
Do you like buying new things?
Do you think saving is important?
Do you often run out of money?
Do you keep money in a bank?
Do you use a money-saving app?
Do you enjoy shopping?

Shopping Behavior

Do you make a list before shopping?
Do you buy things on sale?
Do you buy things you don’t need?
Do you compare prices before buying?
Do you shop online often?
Do you wait for big sales like Black Friday?
Do you return things you don’t use?
Do you prefer quality or price?
Do you spend more on gifts or yourself?
Do you get excited about discounts?

Budgeting

Do you have a monthly budget?
Do you write down your expenses?
Do you stick to your budget?
Is it hard to control your spending?
Do you budget for fun or hobbies?
Do you save for emergencies?
Do you set a savings goal?
Do you save for big purchases?
Have you ever made a spending mistake?
Who taught you how to budget?

Saving Goals

What are you saving money for?
Do you want to save for travel?
Are you saving for a car or house?
Do you save for school or education?
Do you save for your family?
Do you save for retirement?
Do you save coins or small bills?
Do you use a piggy bank?
Do you feel happy when you save money?
Have you reached a saving goal before?

Spending Style

Do you buy expensive brands?
Do you shop when you’re bored?
Do you like luxury items?
Do you enjoy window shopping?
Do you spend more when you’re with friends?
Do you buy things to reward yourself?
Do you often eat out?
Do you spend more on clothes or food?
Do you care about fashion when shopping?
Do you regret spending money sometimes?

Financial Advice

Do you give advice about saving money?
Do you ask for advice before buying something?
Who gives you financial advice?
Do you follow money tips online?
Do your parents talk about money?
Have you ever taken a money class?
Do you think kids should learn about saving early?
Would you take a class about budgeting?
Do you talk about money with friends?
Do you learn from your past spending?

Emotions and Money

Do you feel guilty after spending too much?
Do you feel proud when you save money?
Does shopping make you happy?
Do you spend money when you’re sad?
Is money stressful for you?
Do you worry about not saving enough?
Do you feel pressure to spend like others?
Is saving money exciting for you?
Do you celebrate small savings?
How does money affect your mood?

Family and Culture

Are your parents savers or spenders?
Did your family teach you how to save?
Do people in your country save a lot?
Do your friends save or spend more?
Do you think saving is cultural?
Do families talk about money in your country?
Is saving a habit in your home?
Do you share money tips with siblings?
Did you get an allowance as a child?
Who is more careful with money in your family?

Big Purchases

Have you saved for a big item before?
What big thing would you like to buy?
Would you use a credit card for it?
Would you borrow money for it?
Do you like saving or spending more?
Would you wait a year to buy something you want?
Do you save up for holidays or events?
Have you ever saved for a phone or laptop?
Do you feel good after a big purchase?
Is it better to save or buy right away?

Future Plans

Do you plan to save more in the future?
What will you do if you save a lot of money?
Do you want to invest someday?
Will you teach your kids how to save?
Will you still shop often when you’re older?
Do you want to start a savings challenge?
Will you open a savings account?
Do you want to learn more about money?
What’s your money goal this year?
Do you think you’ll become a better saver?

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