Welcome
Take the quiz below to see how your manage your expenditures.
We strongly encourage that you take the quiz as a means of figuring out what type of person you truly are before you start creating your budget.
Check out our article on Financial Literacy to get yourself started. https://yfapublications.co.za/financial-literacy/
Do you buy things you want even if you know at that moment you do not have the money to pay for it?
Is it difficult for you to save money?
When you have some extra cash that you could save, do you think instead of other things you would like to buy?
Does more than a third of your income go to pay credit card bills and short term loans not including rent or a mortgage payment?
Have you had to reverse debit orders or change banking details because you typically don’t have the money to pay off your debts?
Do you pay the minimum balance on your credit most of the time?
Are you inclined to keep buying more of your favorite things—clothes, makeup, CDs, books, computer software, electronic gadgets—even though you do not have a specific need for them?
When and if you have to say no to yourself or control yourself from buying something you really want, do you feel intensely deprived, angry, or upset?