Might You Be An Over Spender?
Test
Yourself, Then Check
Your Answers Below
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Over
Spenders Quiz created
by Paul Richard,
Executive Director of
the Institute of Consumer
Financial Education
"If
you hear 'spend, spend,
spend' when your money
talks, you too may be
one of those consumers
who later discover themselves
in a nightmare of debt
instead of living the
American dream. Here
is a short evaluation
to help you determine
if you are an over spender.
Following
are statements pertaining
to your spending techniques.
There are five responses
to select from which
indicate the degree
of your likeness to
each statement. Just
mark the number in the
space provided. Should
a statement not apply
to your situation, skip
it and adjust the scoring
accordingly which follows
afterwards.
Scoring
Your Spending Technique
10-15 VERY GOOD. Time
to teach others how
you do it.
16-20 Pretty Good. Concentrate
on improving a few of
the weaker areas.
21-35 Average. An hour
a-week devoted improving
spending will equal
greater $avings.
36-40 Lousy. Immediate
changes required, now,
to avoid a financial
disaster.
41-50 It Stinks! Time
to contact a credit
and debt counselor.
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About the ICFE:
About the
ICFE:
The Institute of Consumer Financial Education (ICFE), founded in 1982 by the
late Loren Dunton (creator of the “certified financial planner” (CFP)
designation) and it is dedicated to helping consumers of all ages to improve
their spending, increase savings and use credit more wisely. The ICFE trains and
certifies Personal Finance Instructors for its own curriculum. It also trains
and certifies Credit Report Reviewers and Identity Theft Prevention Specialists.
The ICFE is an award winning, nonprofit, consumer education organization that
has helped millions of people through its education programs and resources. It
publishes the Do-It-Yourself Credit File correction Guide, now in its 16th
printing and has distributed over one million “Credit/Debit Card Warning Labels”
and “Credit/Debit Card Sleeves” world wide.
The ICFE became an official partner with the Department of Defense/Financial
Readiness Campaign in June of 2004.
The ICFE is also a partner in the national Jump$tart Coalition for Financial
Literacy and the California Jump$tart chapter. The ICFE staff is also active
with San Diego Saves, an offshoot of America Saves, and the California Student
Debt Resource Awareness Project (CASDRAP) (studentdebthelp.org).
The ICFE’s on-line help for consumers who spend too much was featured in PARADE
Magazine in the Intelligence Report section. The money helps and tips are from
“The Money Instruction Book,” a course in personal finance, positioned to become
among the premier programs in the new bankruptcy and debtor education
initiatives.
The ICFE Web site at:
http://www.icfe.info helps consumers with mending spending, learning about
the proper use of credit, budget and expense guidelines, how to set up and
implement a spending-plan and also how to access financial education courses and
videos and how to teach children about money. Other ICFE services include a free
eNewsletter, and an online resource center of financial education learning
tools, including videos, books, software and personal finance courses.
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or money order to: |
Institute of Consumer Financial Education
P.O. Box WWW-34070
San Diego, CA 92163-4070 |
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