what's your money personality?
Understanding your relationship with money is one of the best ways to get on the right track to a financially secure future.
spender or saver?
spender or saver?
Take this short quiz to find out your money personality and what steps you could take next.
1. How would you describe your spending habits?
2. How would you describe your attitude to saving?
3. How would you describe your attitude to planning?
4. How would you describe your attitude towards money?
5. Are you interested in learning more about managing money?
6. How would you describe your attitude towards financial planning?
7. How do you make decisions about investing your money?
the avoider
You live for today and generally avoid spending much time thinking about money and making financial decisions.
You don’t save and you often spend more than you earn, relying on credit to fund purchases. You sometimes find yourself struggling to pay off debts.
What does it all mean?
It might be time to make a change. Pushing money problems to the back of your mind won’t make them disappear and could actually make them bigger.
The good news is, it’s never too late to take control of your finances.
Setting yourself up for a great future doesn't need to be hard. An easy place to start is with a basic budget, so you can take control of where your money's going. We even have a calculator to help you do it!
the spender
You tend to spend pretty freely without worrying much about your budget. You understand saving is important, but it isn’t a big priority for you right now.
What does it all mean?
You know how to live for the moment! That's great, but not if it means forgetting about your future.
There are ways you can save and still buy the things you want.
Expert advice is all part of the service for HESTA members
You can choose from:
- online calculators
- information sessions and webinars, or
- personalised consultations with a super expert.
the saver
You’re cautious with spending. You budget, save and understand that every cent counts - always looking for the best 'bang for your buck'. You’re an expert at making the most out of very little and you don’t follow trends. You generally take a conservative approach to investing, preferring term deposits to high-risk investments.
What does it all mean?
You know the importance of saving and budgeting. But, you may worry more than most about the future and being too cautious could mean you’re missing out on other investment opportunities.
You’re on the right track, but there are ways to make savings go even further.
Expert advice is all part of the service for HESTA members
You can speak to a super expert about:
- the best way for you to put extra into super (before or after tax)
- how to invest your super as your needs change, or
- how to work out how much you're likely to have in retirement.
the goalsetter
You believe in taking control of your finances. You’re savvy with money and not afraid to invest in higher-risk investments.
Considerate and careful with your savings, you’re always looking for ways to make your money work harder for you. You understand the importance of saving and investing for a better future and are comfortable taking charge.
What does it all mean?
You get it. You know what you need to do to secure your future and you’re confident about getting where you want to be.
You’re doing great, but there’s always more to learn.
Expert advice is all part of the service for HESTA members
You choose how you access it – with online tools, nation-wide information sessions or personalised consultations – we're here for you if you need us.