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Are you a slave to money?     Other Tests

1. Which of the following is closest to your attitude towards work and the money you earn?

I always wished that I was a millionaire.
Even if I had all the money I needed, I would do some work.
Money is not the most important reasons which motivate me to work.
I love the work that I do. I take the money that it pays me as a bonus.
I love my work and I could not care how little I was paid to do it.

2. Mark whether you "strongly agree, " "tend to agree," "tend to disagree" or "strongly disagree" with each of the following statements.
  a. Love of money is the root of all evil.
   Strongly agree    Tend to agree    Tend to disagree    Strongly Disagree
  b. In this world there is nothing that money can't buy.
   Strongly agree    Tend to agree    Tend to disagree    Strongly Disagree
  c. A stable financial basis is the best foundation for domestic happiness.
   Strongly agree    Tend to agree    Tend to disagree    Strongly Disagree
  d. There is nothing more irritating than a person who is mean with his money.
   Strongly agree    Tend to agree    Tend to disagree    Strongly Disagree
  e. There is no doubt that some people are naturally lucky when it comes to gambling.
   Strongly agree    Tend to agree    Tend to disagree    Strongly Disagree
  f. It is pointless to die with money in the bank.
   Strongly agree    Tend to agree    Tend to disagree    Strongly Disagree
  g. One should never under any circumstances lend money to friends.
   Strongly agree    Tend to agree    Tend to disagree    Strongly Disagree
  h. It is a great mistake to buy things on credit.
   Strongly agree    Tend to agree    Tend to disagree    Strongly Disagree
  i. The law is much too lenient in prosecuting and punishing shoplifters.
   Strongly agree    Tend to agree    Tend to disagree    Strongly Disagree
  j. People who do not pay their debts should be punished far more severely than they are at present.
   Strongly agree    Tend to agree    Tend to disagree    Strongly Disagree

3. Your long planned vacation is cancelled as all the money that you had saved is suddenly taken in taxes. Which of the following courses of action do you think you would be most likely to take:
Cancel the vacation and continue working to earn extra money.
Give up all thoughts of the overseas vacation and enjoy a few weeks rest and quiet in your own home.
Take a more modest vacation than you had planned, even if it means that you have to borrow a small sum of money to do so.
Take the vacation as planned, spend as freely as you had intended and face the music when it is all over.

4. A very close friend of yours comes to you in urgent need of money - equivalent to about twice your monthly salary - to help pay a family medical bill. He has never asked you for money before and you know him to be honest, but you also realise it will be a struggle for him to pay it back. You would have no difficulty in finding the money to lend him. Do you:

Refuse point-blank, saying that you never lend money to friends because you really believe that it spoils friendship?
Tell him that you would have lent him if you could, but that your own financial affairs do not permit you to do so?
Agree to lend him the money but insist that the terms of repayment are drawn up by the lawyers and a reasonable interest rate charged?
Lend him the money, tell him to pay it back whenever he can?
Let him have the money, tell him it is a gift and say "maybe sometime you will be able to do the same thing for me"?

5. Indicate whether "always", "sometimes" or "never":
  a. Do you leave small sums of money around the house and forget about them?
  Always   Sometimes   Never
  b. Do you know exactly what is the state of your bank balance?
  Always   Sometimes   Never
  c. When you go shopping to a supermarket are you surprised at how much it totals up to?
  Always   Sometimes   Never
  d. Do you check your bills carefully in the restaurants?
  Always   Sometimes   Never
  e. If you find that you have been given more change than you should have been, do you hang on to it without saying anything?
  Always   Sometimes   Never
  f. Does the sight of someone spending money freely upset or annoy you?
  Always   Sometimes   Never
  g. When you meet someone for the first time do you find yourself working out how much he or she is earning or worth?
  Always   Sometimes   Never
  h. Do you dislike games which involve "money dealings"?
  Always   Sometimes   Never
  i. Do you dislike opening the mail in the morning because of the bills that you might find?
  Always   Sometimes   Never
  j. Do you find shopping particularly stressful when you are in a hurry or rushed?
  Always   Sometimes   Never

6. A friend whom you know and trust tells you confidentially that he has heard from an unimpeachable source that a horse cannot fail to win in a major race. The odds are 50 to 1, and your friend is so confident that he/she has placed a large sum of money on it. Do you

Tell him that he/she is silly to take a chance like that and say that you would not dream of betting?
Ponder for a moment whether there might not be something in what he/she says, but decide in due course that you will not bet?
Wish good luck and ask him/her to put a small sum for the fun of it?
Question him/her about the source of his information and, if you feel satisfied, place a big bet?

7. Answer yes or no to each of the following question:

  a. Have you ever had a check returned from the bank because your account was overdrawn?
  Yes   No.
  b. Do you own and use a lot of credit cards?
  Yes   No.
  c. Would you describe yourself as a generous tipper?
  Yes   No.
  d. As a general rule do you believe that you "get what you pay for"?
  Yes   No.
  e. Do you generally spend a good deal of time and effort shopping around for bargains?
  Yes   No.
  f. Have you ever been told, or had it suggested to you, that you are mean and tightfisted?
  Yes   No.
  g. Do you always find yourself in a muddle when it comes to filling in tax forms?
  Yes   No.
  h. Are you inclined to drive some distance out of your way in order to save a few pennies on gas?
  Yes   No.
  i. Do you fall an easy prey to "free samples", "special offers," and so on?
  Yes   No.

8. It is frequently said that people who come into large sums of money when they have not been particularly well off are made less happy in the long run. Assuming this is so, which of those reasons is most likely to be the cause?

Because they had no experience with money they did not know what to do with it, invested it badly and probably lost most of it.
They thought that buying things would make them happy in itself, and then found out that it didn't.
Their life was made a misery by begging letters, cadging friend, and so on.
They overindulged themselves physically and affected their health.
They simply had no imagination as to what fun you can get out of money well spent.


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