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Are my spending habits out of control?

» Self Assessment » Are my spending habits out of control?

We all spend more money than we should at some time or another, but for some, constant buying sprees are an attempt to avoid deep-rooted, troubling issues and can end up causing big problems in many areas of their life. This quick and confidential self-assessment test can help you determine if your spending habits put you at risk of “buying into” addictive behavior.

Questions:

  1. I immediately head for the shopping mall or pull up Internet shopping sites whenever I experience a setback or a disappointment, or when I feel angry, afraid, or un-important.
     Never
     Seldom
     Sometimes
     Frequently

  2. When I’m spending money, I feel an incredible euphoric “high,” along with feelings of anxiety.
     Never
     Seldom
     Sometimes
     Frequently

  3. When I shop, I feel like I’m doing something that’s dangerous, reckless, or forbidden.
     Never
     Seldom
     Sometimes
     Frequently

  4. I spend a lot of time juggling my credit card accounts and bills to accommodate my shopping habits.
     Never
     Seldom
     Sometimes
     Frequently

  5. I “stretch the truth” about what I buy, how much I spend, and sometimes even hide purchases and receipts.
     Never
     Seldom
     Sometimes
     Frequently

  6. My spending habits are the source of real conflicts between me and someone close to me (e.g., spouse, lover, parents, children)?
     Never
     Seldom
     Sometimes
     Frequently

  7. When I dine out with friends or business associates, I almost always insist on picking up the tab--whether I can actually afford to, or not.
     Never
     Seldom
     Sometimes
     Frequently

  8. I frequently buy things using my credit cards that I know I would probably not buy if I had to pay with cash.
     Never
     Seldom
     Sometimes
     Frequently

  9. After a “shopping spree,” I feel guilty, ashamed about all the money I’ve just spent, and confused.
     Never
     Seldom
     Sometimes
     Frequently

  10. I’m constantly thinking about money—how much I have, how much I owe, how much I wish I had.
     Never
     Seldom
     Sometimes
     Frequently

  11. No matter how much debt I’m already in or how firmly I resolve to not spend more, I go out and shop again.
     Never
     Seldom
     Sometimes
     Frequently

  12. I’d feel “lost” without my credit cards.
     Never
     Seldom
     Sometimes
     Frequently

  13. I spend money on things I don’t really need—and often buy things that I never even wear or use.
     Never
     Seldom
     Sometimes
     Frequently

  14. When I buy things for others, I typically overspend in an attempt to show them how financially “well off” I am or what “great taste” I have.
     Never
     Seldom
     Sometimes
     Frequently

  15. I lose track of how many “deferred payment plans” I’ve signed on to.
     Never
     Seldom
     Sometimes
     Frequently






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