Home individuals spending and saving habits test

Spending and Saving Habits Test

Last Modified 23 March 2025

Answer the following questions to find out the extent of your financial culture and awareness and your ability to plan financially and save:

Full Name

Phone Number

Are you saving money

I have previously saved money but have not been able to do so. I save and put aside money sometimes but I have some difficulty committing to saving money regularly. I save most of my money and only spend on my basic needs.

Your primary financial goal is

I don't have a financial goal. I have enough money to buy whatever I want. I save enough money now so that I can secure my future and ensure my well-being when I get old.

Do you have a financial plan

I don't have a financial plan and don't know how to start. I have a financial plan but I don't always stick to it. I have a financial plan and a precise budget that I always stick to.

If you won a cash prize of 50,000 riyals, what would you do first

I spend all the money on things I want to own and on buying gifts for others. I will postpone making any decision until I think about the matter carefully. I am thinking of ways to invest and grow the amount to get the best returns.

If you want to buy something but it costs more than you can afford

I buy it and then figure out how I'm going to pay for it. If the thing I want to buy is very important to me, I will adjust my budget to be able to buy it. If it is not important, I will not buy it. I save up so I can afford it and then I buy it.

What do you think about credit cards

I like using credit cards because they allow me to buy whatever I want and then pay later if I have the money. Use it sparingly to get some benefits like points and miles, but make sure to pay regularly. I never use credit cards.

If you faced an emergency financial problem, what would you do

I will have to borrow money from family and friends to get through this. I have some savings that might help me deal with this problem. I have enough savings to meet any financial problems or emergencies I may encounter.

How do you classify your spending habits

I love spending money and always spend more than I earn. Enjoy spending money within my budget. I enjoy spending money as long as I can earn and save more money.

If you lost your job and stopped working for any reason... the money you have will be enough to cover your expenses for a period of

Less than a month. From one month to six months. More than six months.