Now, tally up your answers to find out your most prominent personality type.

Below, we’ve outlined the general characteristics of each money personality type, and offered tips for how individuals within each category can play to their personality type’s strengths — and weaknesses. Of course, most people won’t fall squarely into one personality type or another. The point is to get a better understanding of your innate tendencies so that you can make your money work in the way that’s best for you.

Mostly A’s: Automator Extraordinaire

The “Automator Extraordinaire” prioritizes structure and convenience. She:

  • Has her savings and investments on autopilot

  • Is app-savvy — she budgets digitally (rather than with a spreadsheet or pen and paper) in order to save time

  • Is willing to pay extra for an expert to do pretty much anything she thinks is worth it, from credit score monitoring to investment management to a great haircut

  • Avoids money anxiety by setting up ample text alerts — bank account balance checks, credit score dips, large purchase notifications, etc.

Pop culture examples: Miranda Hobbes, Mindy Lahiri

Tip: Automator Extraordinaires seem to have their financial sh*t completely together, and for the most part, they do! Just make sure you don’t get too comfortable with your current money systems. Schedule a quarterly or monthly check-in to see if you could or should be saving more than you currently are.

Mostly B’s: Frugal Fiend

The “Frugal Fiend” prioritizes structure and value. She:

  • Spends ample amounts of time clipping coupons, scouring deal websites, and other ways to cut costs as much as possible

  • Loves her zero-based budget spreadsheet more than pretty much anything and schedules weekly budget overviews

  • Is extremely into credit card churning to maximize points

  • Takes comfort in knowing exactly when every dollar comes in and where it goes

Pop culture examples: Jessica Huang, Sutton Brady

Tip: Cutting corners is helpful for so many people, but Frugal Fiends have been known to take it too far and get thrown off by even a tiny unexpected expense. If this sounds like you, try setting up a “sinking fund” to avoid the anxiety of an unplanned purchase.

Mostly C’s: Intuitive Spender

The “Intuitive Spender” prioritizes spontaneity and convenience. She:

  • Doesn’t like to abide by a super-strict budget

  • Has learned to say “no” to spending when she knows it’s really not worth it

  • Is happiest when she can buy something on impulse without having to worry about it, whether that’s concert tickets or a must-have kitchen item

  • Would rather focus on earning more than trying to spend less

Pop culture examples: Carrie Bradshaw, Alexis Rose

Tip: If you identify as an Intuitive Spender, consider using an app that allows you to save and invest your money on autopilot. That way, you can worry less about saving because you simply won’t have to think about it. “Spare change” apps are great, because they are built to transfer money to your savings when they know you won’t miss it.

Mostly D’s: Super Scrimper

The “Super Scrimper” prioritizes spontaneity and value. She:

  • Is used to living on less for one reason or another — doesn’t have to try to be frugal, it’s just her nature

  • Relies on apps for deal alerts and discounts; is a big believer in subscribing to store emails to get latest alerts on deals

  • Will buy whatever brand is on sale at the store, but won’t necessarily research or clip coupons ahead of time

  • Is somewhat wary of credit cards — she’s more comfortable paying for everything with cash or debit, so she knows she can swing whatever it is

Pop culture examples: Lorelai Gilmore, Fiona Gallagher

Tip: There’s absolutely nothing wrong with avoiding risk, but taking calculated risks can have a huge payoff. If you’re a risk-averse Super Scrimper, consider opening some sort of credit account (if you haven’t already!) to start building credit. And with, keeping tabs on your credit score can be so much easier than you think!

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