Yes

Sometimes

No

Do you have goals for spending?

Do you collect information on products and services you intent to buy?

Do you follow a well-planned shopping list when you shop?

Do you compare prices in relation to quality and services at various stores?

Do you consider suitability and quality as well as price reductions on sale items?

Do you know when a bargain is really a bargain for you?

Do you take advantage of sales and seasonal purchasing?

Do you consider wise use of your time and energy as well as your money when you shop?

Do you avoid impulse spending?

Do you pay bills promptly?

Do you have a system for paying bills and recording payment?

Do you inspect merchandise and ask questions before buying?

Do you deal only with reputable, reliable stores and business firms?

Do you keep a record of your spending to learn more about your spending habits?

Do you plan ahead for large expenses such as vacations, presents, car, furniture, insurance, and other major items?