1. I believe money is important and I can be quite serious about money. I hold fairly strong views about money, what is right and wrong, what is acceptable and what is not. I usually put a limited amount of effort into money matters. I try to live within my means and not be too greedy or excessive. I generally don’t like debt, but I am comfortable borrowing for a home or a car. I enjoy spending on nice/expensive goods because they are worth it. I do tend to compare myself with others in seeing what material things they have.

2. Money does not interest me very much and I like to spend it to help other people before spending it on myself. Spending on myself seems a bit selfish and I don’t like asking any other people for money. I am generally optimistic and believe things will probably work out in the end. Money is not a great motivator for me so I spend a limited amount of time and effort thinking about it.

3. I enjoy achieving my goals and money is one of the ways that validates my approach to life. Being money conscious, I work hard to develop my skills and I am not afraid to work hard to achieve my monetary goals. I can budget fairly easily, I am happy to borrow and paying off any debt is usually not a problem. I am happy to make an effort to study money.

4. Money is not a motivating force for me and so I don’t think it can deliver a meaningful life. I can be creative about earning, spending and investing money but things I spend money on have to have some personal meaning to me. Although I’m not that interested in money, I do tend to have expensive taste and overspend. Money is not something that is exciting to me so I don’t really make any effort managing money.

5. I am generally self-sufficient and so I generally minimise the need for money. I don’t really need that much money to survive so I don’t place a great deal of effort in earning a lot of money. I do think money is useful for allowing me to be more self-sufficient. I don’t really worry at all about what others have or “keeping up with the Jones”. I would have to say that I don’t think too much about money.

6. I generally believe money is helps in gaining security and while I can occasionally splurge, most of the time I am fairly frugal and try not to spend too much. Even though I may have some debt, it makes me a bit nervous. I like ‘bargains’ and think getting value for money is more important than buying expensive products. I put in a certain amount of effort regarding money but probably not as much as some other people.

7. Money is important to me because it opens up a large number of opportunities and can fulfil my needs. I think money is a way to increase my options and freedom. I generally don’t limit my spending or devote too much time to thinking about a budget, and when I buy something I can have a budget in mind but I am happy to spend more if I like a product. Having some savings is good as it can provide me with more options. If I really think about it I am happy to make an effort to study how to increase my wealth.

8. I want what I want and think that if you work hard, you should be able to get it. I like to be the master of my own destiny and control my money. I prefer to focus on making more money rather than reducing my spending. I think budgets are restrictive and if I make a lot of money I should be able to spend a lot of it too. I am happy to put effort for the sake of money.

9. Money provides me with comfort and peace of mind. I’m fairly self-reliant and financially responsible and I don’t spend too much on myself. Money is not overly interesting to me and so I don’t work too hard or study investing too much. It’s not really a motivating force for me and so I don’t really spend a great deal of time and effort on money. I have a fairly relaxed attitude towards money and I don’t think about improving my finances. I am happy to let my partner or a professional manage the finances.

1. I believe money is important and I can be quite serious about money. I hold fairly strong views about money, what is right and wrong, what is acceptable and what is not. I usually put a limited amount of effort into money matters. I try to live within my means and not be too greedy or excessive. I generally don’t like debt, but I am comfortable borrowing for a home or a car. I enjoy spending on nice/expensive goods because they are worth it. I do tend to compare myself with others in seeing what material things they have.

2. Money does not interest me very much and I like to spend it to help other people before spending it on myself. Spending on myself seems a bit selfish and I don’t like asking any other people for money. I am generally optimistic and believe things will probably work out in the end. Money is not a great motivator for me so I spend a limited amount of time and effort thinking about it.

3. I enjoy achieving my goals and money is one of the ways that validates my approach to life. Being money conscious, I work hard to develop my skills and I am not afraid to work hard to achieve my monetary goals. I can budget fairly easily, I am happy to borrow and paying off any debt is usually not a problem. I am happy to make an effort to study money.

4. Money is not a motivating force for me and so I don’t think it can deliver a meaningful life. I can be creative about earning, spending and investing money but things I spend money on have to have some personal meaning to me. Although I’m not that interested in money, I do tend to have expensive taste and overspend. Money is not something that is exciting to me so I don’t really make any effort managing money.

5. I am generally self-sufficient and so I generally minimise the need for money. I don’t really need that much money to survive so I don’t place a great deal of effort in earning a lot of money. I do think money is useful for allowing me to be more self-sufficient. I don’t really worry at all about what others have or “keeping up with the Jones”. I would have to say that I don’t think too much about money.

6. I generally believe money is helps in gaining security and while I can occasionally splurge, most of the time I am fairly frugal and try not to spend too much. Even though I may have some debt, it makes me a bit nervous. I like ‘bargains’ and think getting value for money is more important than buying expensive products. I put in a certain amount of effort regarding money but probably not as much as some other people.

7. Money is important to me because it opens up a large number of opportunities and can fulfil my needs. I think money is a way to increase my options and freedom. I generally don’t limit my spending or devote too much time to thinking about a budget, and when I buy something I can have a budget in mind but I am happy to spend more if I like a product. Having some savings is good as it can provide me with more options. If I really think about it I am happy to make an effort to study how to increase my wealth.

8. I want what I want and think that if you work hard, you should be able to get it. I like to be the master of my own destiny and control my money. I prefer to focus on making more money rather than reducing my spending. I think budgets are restrictive and if I make a lot of money I should be able to spend a lot of it too. I am happy to put effort for the sake of money.

9. Money provides me with comfort and peace of mind. I’m fairly self-reliant and financially responsible and I don’t spend too much on myself. Money is not overly interesting to me and so I don’t work too hard or study investing too much. It’s not really a motivating force for me and so I don’t really spend a great deal of time and effort on money. I have a fairly relaxed attitude towards money and I don’t think about improving my finances. I am happy to let my partner or a professional manage the finances.

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