em me Determine Your Saving Style There are as many ways to save money as there are people looking to save it. To help you save money and keep your budget in order, identify your saving style. Read each of the following statements, and rate how well it describes you, using this scale: 1 That’s me 2 Sometimes 3 That’s not me 1 2 3 1. I count the change I’m given by cashiers in stores and restaurants. 2. I always pick up all the change I receive from a transaction in a store, even if it’s only a few cents. 3. I don’t buy something right away if I’m pretty sure it will go on sale soon. 4. I feel a real sense of accomplishment if I buy something on sale. 5. I always remember how much I paid for something. 6. If something goes on sale soon after I’ve bought it, I feel cheated. 7. I have money in at least one interest-bearing account. 8. I rarely lend people money. 9. If I lend money to someone repeatedly without getting it back, I stop lending it to that person. 10. I share resources (e.g., CDs, books, magazines) with other people to save money. 11. I’m good at denying myself small purchases when I know I am low on cash. 12. I believe most generic or off-brand items are just as good as name brands. Add up your ratings. Interpret your total score according to this informal guide: 12–15: Very aggressive saving style 16–20: Careful saving style 21–27: Fairly loose saving style 28–32: Loose saving style 33–36: Nonexistent saving style What are the advantages and disadvantages of your saving style? How do you think your saving style affects your ability to keep a healthy budget? If you are dissatisfi ed with your saving style, how might you be able to change it? www.mhhe.com/messersmith CHAPTER 10 emPOWERme 691
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