Money Attitudes and Values (for discussion - no wrong answers!)

Save it for future financial security

Splurge on a luxury item or experience

Invest it to make it grow

Donate a portion to charity

I avoid credit cards and prefer to pay with cash or debit cards

I use credit cards occasionally for convenience but pay off the balance each month

I use credit cards for most of my purchases and carry a balance owing

I rely heavily on credit cards and often pay only the minimum amount due

I believe in living debt-free and avoid taking on any debt

I'm comfortable taking on small amounts of debt for essential purposes

I think debt is necessary to achieve financial or life goals

I don't mind accumulating debt for immediate wants and needs

To accumulate wealth and financial security

To enjoy life and experiences

To invest and grow wealth

To help others and make a positive impact

I support it as an efficient economic system

I think it leads to inequality and should be reformed

I have mixed feelings about it; it has both benefits and drawbacks

I'm strongly against capitalism and prefer alternative economic models

I don't change my spending habits significantly

I tend to save more and cut unnecessary expenses

I may dip into savings but remain hopeful for better times

I struggle financially and rely on credit, benefits or other assistance

I view it as an opportunity for investments

I understand it's a natural part of the economy

I see it as a threat to my purchasing power

I don't pay much attention to it

Credit cards - I enjoy being able to afford more and earn rewards/build credit

Debit cards - They're convenient and help me track spending

Cash - I like the tangibility of physical money

Digital wallets and mobile payment apps - They're fast and secure

I rarely donate, as I prioritize personal financial goals

I donate occasionally, but my financial well-being comes first

It's a significant factor, and I regularly donate to causes I care about

I don't consider it in my financial decisions - everyone should look after themselves

I don't bother with long-term financial planning, I live in the present

I have some financial goals, but I could plan more effectively

I don't have a clear financial plan but put some money away for the future when I can

I'm proactive and have a detailed financial plan for the future