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Money personality is important, but what is it? In the same way that people have different personalities, we also all have different money personalities. We all see and relate to money in different ways. But how do you know what your money personality is?

A money personality test

Money Habitudes - money personality testWhile you may have a sense of how your money personality is different than someone else’s, it’s easier to understand yourself by doing a personality test or personality profile. Perhaps the most well-known personality test is the Myers-Briggs. As is typical of personality tests like Myers-Briggs, 16PF, DISC, etc., the user answers several questions. The answers then produce a score. That score can be interpreted as one’s personality profile. Some personality tests are very broad; others are specific to a certain topic like relationships, leadership, etc. Money Habitudes functions as a money personality test.

Why does money personality matter?

How we see and use money affects us in a variety of ways:

  • relationships; money is often cited as the number one cause of couple fights
  • personal finance; how much money we have and if we’re prepared for the future
  • career; what we choose to do, whether we invest in ourselves, etc.

Understanding your money personality helps you more clearly understand these facets of your life.

Using a money personality test

Like the Myers-Briggs personality test, Money Habitudes uses a standard set of questions. People sort these questions according to whether each is:

  • like you
  • sort of like you; sometimes like you
  • not like you

For example, an actual Money Habitudes statement is: “Even if I can afford things that will make my life easier, I will not buy them.” As is true with most personality tests, there is no “right” or “wrong” answer. Where Money Habitudes is different from other personality tests is how it’s used. It is more active and engaging and feels less like a test.

  • Instead of pages of questions, it feels like a fun, hands-on card game.
  • Instead of filling in bubbles on a score sheet, users physically sort cards into different piles.

Based on how you answer the questions, you get a money personality profile. Each of the statements is coded to one of six different money personality types. A personality assessment and evaluation step helps users interpret how they see and use money. In a simple personality scale, people can have different combinations of the six different money personality types. Each type has a strength of 0 to 9.