Are you living your values quiz – Financial Freedom Blueprint by Money Savvy

Questions 1-5 relate to Daily & Monthly Decisions, while questions 6-10 relate to Mindset & Motivation.

For each question, choose the answer that most accurately reflects your current behaviour.

1. When you receive an unexpected bonus or gift of money (e.g., R5000), what do you do first?

I pay down some debt or set it aside for a big necessary expense (e.g., car repair).

I immediately put a percentage into a dedicated savings or investment account.

I use it to buy gifts, treat friends/family to a meal, or donate to a cause I care about.

I spend it on something I've wanted for a while, like a gadget, clothing, or a weekend trip.

2. How do you feel about your biggest non-essential recurring monthly expense (e.g., subscription, premium streaming, gym membership)?

I often forget about it or feel a pang of guilt that I don't use it enough.

I feel it's a worthwhile, intentional investment in my well-being or future.

I barely notice it; it's a fixed part of my budget, and I get value from it.

I have it mostly to keep up with friends or to maintain a certain lifestyle image.

3. When you buy something substantial (e.g., a new appliance, piece of furniture, or car), how much effort do you put into researching the best price/deal?

I research quality and durability more than price, aiming for the longest lifespan.

I buy the first option that meets my needs to save time and mental energy.

I spend time price-comparing and waiting for a sale because my priority is maximising savings.

I buy the one that is the most aesthetically pleasing or convenient, often paying a premium.

4. How often do you check in on your long-term financial accounts (savings, investments, retirement)?

Only when I'm forced to (e.g., tax time, statement arrives), or when a crisis occurs.

Rarely, because thinking about the distant future makes me feel restricted or anxious.

At least once a week or whenever I get paid, to ensure I'm hitting targets.

Once a month, as part of a general financial review or budgeting session.

5. If a close friend suggests an expensive night out (dinner, concert, event), what is your typical response?

I say yes, and find another area of my budget to cut back on later to compensate.

I check my fun money/budget first; if it's there, I go, if not, I suggest a cheaper alternative.

I go without a second thought; experiences and relationships are worth the money.

I feel obligated to go, even if it causes me low-level stress afterward.

6. What's the main driver behind your current desire for more money?

To achieve a specific goal, like early retirement or purchasing a second home.

To afford a better version of the things I already have (nicer car, bigger house).

To have enough stability that I never worry about a financial setback.

To be able to give more to others or invest in causes I believe in.

7. If you had an entire afternoon free, how would you likely spend it?

Going out and experiencing something new, like a museum, hike, or spontaneous drive.

Working on a side hustle or taking a course to increase my future earning potential.

Spending quality, focused time with my chosen family or close friends.

Tidying, organising, or doing maintenance around my home to protect my assets.

8. Which statement best describes your view of your debt (if you have any)?

It's necessary and manageable; I track it, but I don't let it consume me.

I have a clear plan to pay it off, prioritising principal reduction over everything else.

I try not to accrue interest, but I’m okay with debt if it facilitates travel/education/assets.

It causes me stress, and I mostly try to ignore it or only make minimum payments.

9. When you think about the concept of "Financial Freedom," what is the first thing that comes to mind?

The feeling—the sense of peace, security, and lack of worry.

The number—the specific amount I need to have saved and invested.

The action—the ability to quit a job I dislike or travel for months on end.

The impact—the ability to start a non-profit or fund a passion project.

10. Your co-worker constantly brags about their new luxury items. How do you react?

I feel a brief twinge of jealousy, but remind myself that everyone has different priorities.

I wonder if I should be buying something similar to feel successful.

I mentally check my budget and feel secure knowing I am hitting my own targets.

I don't care about their items, but I wonder if they're supporting ethical companies with their purchases.

Are You Living Your Values? Quiz