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Created on 12.11.2018

How well do you manage your money? Take the test!

Are you a supersaver, or do you think money is there to be spent? Answer eight questions to find out how well you actually manage your money in everyday life.

Test yourself: how well do you manage your money? Answer the following eight questions on your spending in everyday life honestly. Add the points together to find out at the end of this blog post what type of person you are and which savings tips can help you keep your spending under control.

Question 1: Pay day! You receive your salary today. What do you do?

  • Transfer some of it directly to a savings account via standing order. I invest the rest, or spend it according to my budget. (3 points)
  • Pay last month’s credit card bill – there’s not usually much left over after that. (1 point)
  • I leave everything in my private account and save whatever is left over at the end of the month. (2 points)
  • I set some aside for investment and saving and earmark some for my emergency provisions. I spend the rest according to my budget. (4 points)

Question 2: It’s Friday evening – how do you celebrate the start of the weekend?

  • Party! I go out and have a really good time. (1 point)
  • Nothing at all – I go home and prepare a delicious meal. (4 points)
  • I go for an after-work beer with colleagues before heading home. (3 points)
  • Depending on my mood and my bank balance – I invite some friends over for dinner, go out or enjoy a quiet evening. (2 points)

Question 3: How many accounts and credit cards do you have?

  • No idea. (1 point)
  • I have a banking package with various savings and private accounts, a retirement savings account and several credit cards. (4 points)
  • I have a private account and a savings account. (2 points)
  • I have a savings, private and retirement savings account and a credit card. (3 points)

Question 4: Off on holiday! How do you plan your trip?

  • I decide when and where I want to spend my holidays, keep an eye on flight and hotel prices and book if I find the price reasonable. (2 points)
  • I decide on a number of destinations and quite an extensive travel period – I look early for deals, but give myself time and choose the most suitable option. (3 points)
  • I decide on a great destination and lovely hotel or tour and book immediately. (1 point)
  • I’m quite flexible about when and where I travel and look specifically for the most attractively priced deals. (4 points)

Question 5: If you have CHF 20, what do you purchase to cook healthy/varied evening meals for two adults and two children for four days without creating any food waste?

  • 1 packet of spaghetti, 1 kg of potatoes, 1 kg of rice, 500 g of tomatoes for sauce, 6 eggs, seasonal salad, low-cost cheese, cream, onions. (4 points)
  • 1 packet of macaroni, 1 kg of potatoes, 1 kg of apples, bolognese sauce, mixed salad (pre-prepared), Gruyère, bacon, cream, onions. (3 points)
  • 1 ready-to-serve, family-sized pizza, 2 tins of ravioli, 1 packet of pasta, tomato sauce, bread for toasting, ham, cheese for toasting. (2 points)
  • 4 cordon bleu schnitzels, Zurich-style veal ragout, smoked salmon, 1 kg of potatoes, oven chips, white wine, bread for toasting, gnocchi, tomato sauce, 4 eggs, 2 avocados, seasonal salad, onions, cream, chocolate biscuits. (1 point)

Question 6: What are your main budget items?

  • I have a few weaknesses – clothes, cars, fine dining and hobbies. I spend a lot of money on those things. (2 points)
  • No idea – what comes in goes out. (1 point)
  • I spend most of it on my basic living costs, such as rent, insurance policies and groceries. I save for holidays or major purchases. (3 points)
  • I actually only spend money on my living costs (rent, insurance, groceries, etc.) and don’t have any other expenses. (4 points)

Question 7: You have to buy a big-ticket item. How do you go about it?

  • I compare the current offers and opt for the best deal. (2 points)
  • I buy what I want and like best. (1 point)
  • I try to put off making the purchase for as long as possible, compare prices and deals and opt for the most attractively priced product. (4 points)
  • I consider which aspects of the item are important to me and opt for the most suitable product offering the best value for money. (3 points)

Question 8: Do you have a household budget?

  • Yes – I check it regularly and stick to it. (4 points)
  • Yes – I try to stick to it. That doesn’t always work, but is usually fine. (3 points)
  • No – but I would like to work one out soon. (2 points)
  • No – I don’t need one. (1 point)

Score and analysis


26–32 points

The smart spender
Saving money is as natural to you as breathing. You know all the best ways to save. You often find things too expensive.
Our tip: don’t deny yourself everything – you should treat yourself once in a while.
19–25 points
The “everything-under-control” type
You’ve got things worked out: save, but not at all costs. You know how to manage your disposable income so that what’s left over is what you hoped for.
Our tip: you can get more out of your capital by investing your money.
12–18 points
The inconsistent type
You think saving is tremendous. But also really difficult. You know how to manage your money, but don’t really stick to it. You treat yourself to things and don’t worry about the cost.
Our saving tip: working out a budget will really pay off for you. This will provide you with a complete overview of your costs and allow you to better estimate your savings potential. Then you’ll have something left over for your dreams.
Below 12 points

The “take-it-easy” type
You have the potential to manage your finances more responsibly and to plan for the future.
Our tip: nobody gets anywhere without hard work. Start with small steps. Work out a budget, or start by setting up a standing order to pay a certain amount into your savings account each month. You can also take a look at these simple savings tips for everyday life.

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