Page 22 - Book11E

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4 . Which best describes the way you make purchases?
a. You spend when you’re happy, or you spend when you’re sad.
b. You spend to stay caught up with your friends.
c. You run up credit card debt and then pay it down.
d. You budget for your spending, allowing for a few extravagances along the way, but generally buy only what is on your list.
5 . When you get a raise, you typically:
a. Go on a shopping spree.
b. Promise yourself that you’ll stick to your budget.
c. Treat yourself to dinner out or some item you’ve been wanting and then allocate the rest to savings.
6 . When you think about your financial situation, you feel:
a. Hopeless. It seems that you keep falling further behind.
b. Optimistic. You’re buying lots of things and soon you’ll be able to start saving.
c. Confident. You’re meeting the targets you’ve set for yourself.
d. Worried. You think about it only late at night when you can’t sleep.
7 . It’s the holiday season . You:
a. Vow that you won’t overspend by as much as you did last year.
b. Apply for two more credit cards.
c. Panic. You’re still paying for last year’s bills, and your cards are charged to the limit.
One Penny at a Time