Attitudes, Experiences and Habits

Are company ethics important to you when you make investments?

Do the poor keep getting poorer?

Do the rich keep getting richer?

Do you believe charities generally do a good job of distributing the money?

Do you feel bill paying online is safe?

Do you feel coupons are a good way to save money?

Do you have "mad money" or "pin money"?

Do you have a lawyer? How do you like him/her?

Do you have any commemorative coins?

Do you have any idea where your money is going?

Do you have money-spending triggers?

Do you know what your income will be after you retire?

Do you know your financial circumstances?

Do you know your money spending triggers?

Do you like the feel of money?

Do you loan money to friends?

Do you loan money to relatives?

Do you look for energy saving appliances to save money?

Do you often avoid paying full price?

Do you pay yourself first?

Do you spend much time worrying about money?

Do you talk to strangers in line with you at the store?

Do you talk to telemarketers?

Do you think you pay more than other people for the same thing?

Do you tithe?

Do you understand your finances?

Does gender relate to economic power?

Does money influence character?

Does money make the world go round?

Does your money control you or do you control your money?

Grab a few coins and tell us about them.

Has the events of 9/11 impacted the way that you save or spend your money or changed your money habits?

Have you ever been given a gift of money that you have passed on to someone else when they needed money?

Have you ever been taken by a con man?

Have you ever fallen for a money scam?

Have you ever fallen for a telemarketer?

Have you ever REALLY lost your wallet? (not just misplaced it in the house)

Have you ever sold plasma?

Have you ever tried to earn extra money to pay for a mistake you made that you were trying to cover up?

Have you ever worked with the poor to get a perspective on your financial situation?

Have you tried switching your telephone service for a lower bill?

How can you move your money worry into money action?

How concerned are you about identity theft and your money?

How conscious of your financial situation are you?

How did you feel about your earliest money experience at the time?

How did you learn to manage money?

How do you determine what charities to give to?

How do you envision your financial future?

How do you feel about the redesign of US currency?

How do you feel about your earliest money experience now?

How do you find out how much money actually goes toward the cause you are giving to support?

How do you pinch pennies?

How do you prevent yourself from spending money foolishly?

How do you protect your credit report?

How do you protect your personal financial information?

How do you set your monetary priorities?

How do you track your finances?

How do you try to live simply?

How important is it to you that you be financially secure?

How is your cash flow?

How is your outlook when you run into a financial challenge?

How much money do you have in your wallet right now?

How much money does it take to be happy?

How often do you think about money?

How often do you worry about money?

If money could buy anything intangible BESIDES happiness, what would you buy tomorrow?

In what ways do you feel "richer" than other people you know?

Is a penny saved a penny earned?

Is it better to be a lender or a borrower?

Is it easier to waste earned money or easy money?

Is money a taboo subject for you?

Is neither a lender or borrower be a realistic motto?

Is saving money important to you?

Is talking about money rude?

Is there any section of your pay stub that mystifies you?

Should you live simply if you earn a lot of money?

What age do you want to retire at?

What are the financial ramifications of marriage?

What are your spending triggers?

What are your standards and rules for tipping?

What bill do you growl about paying every month?

What charities do you or would you donate money to?

What do you consider as prosperity?

What do you do with your spare change?

What do you remember as your earliest money experience?

What do you think about getting older given your current financial situation?

What do you wish you had learned about money in school?

What do you wish you had learned from your parents about money?

What do you wonder why people will pay so much for?

What do your checks look like?

What does financial stability mean to you?

What expense do you regret?

What is more important to you: living wealthily or having wealth?

What is the worst money advice you have gotten?

What is the worst way you have tried to make money?

What is your best money tip?

What is your ideal money situation?

What non-monetary thing do you hope to achieve with your life?

What one thing do you tend to buy even when you don't need it?

What people have had a major impact in how you view money?

What was your worst money mistake?

What were the last three things you purchased?

What would you do if you won a million dollars?

What would you do if you won five hundred dollars?

What would you do with extra money?

What would you not do for money?

When it comes to financial decisions, what do you do?

When was the last time you rewarded yourself? What do you do to reward yourself?

When you are approached for a charitable contributution, do you generally contribute? Why or why not?

When you were 16, what could you buy for a dollar?

Where are you unwilling to pinch pennies?

Who is Keogh? (no fair looking it up)

Would you rather spend your money on a housekeeper or spend an equal amount on a vacation for you and DH/SO?

Would you rather use $25,000 (this is found money from a fairy) for a down payment on a new home or save for future college educations?

Would you take your salary in pennies if you got a raise?

Your money or your life?

Budget and Financial Planning

Are you planning for retirement?

Can you offer any advice for anyone considering starting using a money management system?

Did you ever learn money management in school?

Do friends and family come to you for financial advice?

Do you budget for emergencies?

Do you budget for gifts?

Do you currently (or have you ever) use a money management system? If so, what kind and do you find it helpful?

Do you have a solid budget or is it just something floating around in your head?

Do you have a spending plan?

Do you have a 401(k)? Do you understand how it works?

Do you have a current will regardless of your financial situation?

Do you have a financial counselor?

Do you have a financial planner? How do they earn money?

Do you have an accountant?

Do you have an IRA? Why or why not?

Do you keep your budget on paper?

Do you track your expenditures with your computer?

Have you ever taken a class on managing your money?

Have you started estate planning?

How do you budget for gifts?

How do you calculate how much you should set aside for emergencies?

How do you conserve electricity to save money?

How do you pamper yourself on a budget?

How much cushion do you have in your monthly budget?

How often do you pay bills?

How often do you re-do your budget?

How often do you review your finances?

Is your budget really realistic?

Is your family spending too much?

Should you pay off your mortgage or save more for retirement?

What are your goals for retirement planning?

What if Social Security doesn't exist when you retire?

Which is more important: Saving for your own retirement or saving for college?

Credit

Are pre paid credit cards a good way of keeping a handle on spending?

Did you finance your car through the dealer?

Do you close credit card accounts after you have paid off the balance or do you just forget about them?

Do you count on bonuses or gifts to pay off credit cards?

Do you have any pre paid credit cards?

Do you just pay the minimum on your credit card bills?

Do you understand your credit card's billing practices?

Do you use credit cards?

Does everyone need a credit card?

Has credit card buying affected your way of life?

Have you checked your credit report for errors?

Have you ever cut up your cards?

Have you ever frozen your credit cards in ice?

Have you ever lost a bill and forgot to pay it?

Have you stopped using your credit cards?

Have you tried negotiating with your credit card provider for a lower rate?

How many credit cards do you have?

How many credit cards do you think a family should have?

How much are your total interest payments each month?

If you have approximately $6,000 in credit card debt and have the money in the savings, is it wiser to take the money out and pay them off and then start again to save in the savings?

Is credit card consolidation a good idea?

Should children be given credit cards?

What is the rate on your highest rate credit card?

What is the right age to get a credit card?

Which is better for you an annual rate or a lower fee?

Debt

Are you a day late and a dollar short?

Are you aggressive in paying off debt?

Do you have a plan for getting out of debt?

Do you keep a notepad with you to jot down every time you spend money?

Do you play the lottery in hopes of fixing your financial situation?

Does your partner know how in debt you are?

Explain what it means to pay points on a mortgage.

Have you ever been called by a bill collector?

Have you ever had anything repossessed?

Have you ever owed someone money but stalled in paying it back?

Have you ever received a letter from a collection agency?

Have you ever used a credit counseling service?

How are you spending money?

How can you cut back spending money?

How can you keep illness from depleting finances?

How do you avoid debt reduction set backs?

How do you save money on auto insurance?

How do you save money on groceries?

How do you save money on vacations?

How do you save money on your work wardrobe?

How do you stop spending money you don't have?

How does your budget situation make you feel?

How hard is it to stick to your budget?

How has financial stress affected how you feel about your job?

How has financial stress affected your family life?

How have credit cards affected your debt load?

How long would it take you to find out exactly how much money you owe?

How much are you spending on transportation to work?

How much are your no choice family bills?

How much money could you live on comfortably?

How much of your debt is bad debt and how much is ok debt?

Is bankruptcy an easy way out of debt?

Of all of your debts, which do you feel will leave the most lasting mark? Why?

What are the pros and cons of debt consolidation?

What are your best tips for living within your means?

What debt reduction tips do you have?

What have you learned from dealing with a single debt that you can apply towards dealings of other debts or others dealing with debt?

What is the best thing you have ever done to take control of your money?

What is the biggest obstacle you face in becoming debt-free? What are you doing to overcome it?

Investing And Big Ticket Purchases

Are you more concerned now about the stock market and the economy as a whole than you were a year ago?

Do people ask you for stock tips?

Do you have any treasury bonds?

Do you invest in bonds?

Do you invest in stocks?

Do you understand your investments?

Have you ever hired a home inspector before buying a home?

How can you make your home sell faster?

How did you decide how much to spend on a car?

How did you decide how much to spend on a house?

How do you decide how much money you can spend on a new car?

How do you decide how much money you should PAY for the car you have chosen?

How do you plan for major purchases?

How do you keep which house is which straight when house hunting?

How long did you save before buying a house?

How many years should you plan on living in an area if you want to buy a home?

How much should your initial bid on a home you want to buy be?

How often do you buy a new car?

If you were given ten thousand dollars to be divided in three parts for investment in three companies for ten years, what companies would you choose?

Is a weak dollar bad for stocks?

Is hiring a home inspector worth the money?

Should you buy a home in a district with good schools even if you don't have or plan to have children?

Should you buy a home just because you can afford it?

What can you do to improve the selling price of your home?

What has been your worst home buying experience?

When did you decide to buy a house?

When do you spend money on a new car?

When is it better to invest rather than pay off current debt?

When is it better to invest than to save?

Which is more important in buying a home: location or price?

Relationships and Money

Are you willing to honestly talk about money on this board?

Are you willing to talk about money with family?

Are you willing to talk about money with friends?

At what point in your relationship do you first discuss money?

Can you shop with your partner?

Did your parents fight about money?

Do you discuss money with your friends?

Do you ever discuss money with your parents?

Do you talk about money openly in your family?

Do you talk about money openly with your partner?

Does your boyfriend know how much money you make?

Does your husband know how much money you make?

Have you borrowed money from relatives?

How did your parents view money?

How do you deal with money conflicts in your relationship?

How do you feel about your financial situation as a couple?

How do you get your partner to understand that it is necessary to get finances in order?

How do you share finances in your house?

How do you talk to your elderly parents about finances?

How do your friends and family regard your financial ability?

How do your siblings money habits compare to your own?

How does your money handling relate to how your parents handled money?

How often do you fight about money?

Were your parents good money role models?

What is your reaction when you talk about money with your partner?

Where do you discuss money with your partner?

Which of your parents handled the money?

Who does the bills?

Who loses their wallet more?

Who spends the most money in your relationship?

Would you marry someone with bad credit?

Spending

Are you good at negotiating with car salesmen?

Are you planning any shopping this weekend?

Do you belong to any grocery savings clubs?

Do you belong to any warehouse clubs?

Do you buy lottery tickets?

Do you buy or lease your cars?

Do you buy pre paid phone cards?

Do you buy raffle tickets?

Do you clip coupons?

Do you ever lie about how much you spent?

Do you ever make an impulse buy for something that catches your eye?

Do you feel safe shopping online?

Do you go on shopping sprees?

Do you go shopping just because there is a sale…even if you don't need anything?

Do you go shopping with a list?

Do you have a "dangerous corner" by your house... a corner that has your favorite places to shop and eat...the kind of corner that you could spend lots of money at?

Do you have an automatic thermostat to save money?

Do you hide receipts if you buy something as a splurge?

Do you impulse buy in the checkout line?

Do you prefer to shop at chain shops or independently owned specialty shops?

Do you shop for entertainment?

Do you think used cars are a good deal?

Does buying in bulk always save money?

Have you ever bought anything from an infomercial?

How do you pay for shopping sprees?

How much do you spend on food each month?

How much do you spend on housing each month?

How much do you spend on toiletries each month?

How much is your water bill?

How much money do you spend at Starbucks or your favorite coffee shop every week?

How much money do you spend on eating out every week?

How often do you go shopping?

How often do you go to the mall?

If you could afford it at this moment, you would buy:

Money no object, what 1 thing would you buy?

What are you unwilling to splurge on?

What are your favorite dollar-saving cleaning ideas or products?

What causes you to go on shopping sprees?

What causes you to spend money recklessly?

What do you do to prevent impulse buying?

What do you like to splurge on?

What do you waste money on?

What have you bought this week? Did you get a great deal on anything?

What items that you consider necessities really are luxury spending?

What luxury item are you not willing to give up to save money?

What things do you get tired of buying?

What things do you like to buy?

What things do you resent buying?

Where do you shop for __________?

Taxes

Do you do your own taxes?

Do you ever cheat on your taxes?

Do you feel doing taxes online is safe?

Do you pay state income tax?

Do you think of a tax refund as found money or as giving Uncle Sam an interest free loan?

Do you understand how to fill out your tax forms?

Do you understand the taxes you pay?

Have you ever been less than accurate on your taxes?

Have you ever paid your taxes late?

How do you reduce your chance of being audited by the IRS?

How do you spend your tax rebate?

Is it better to over withhold or under withhold your taxes?

Just what is FICA anyway?

When do you file your taxes?

Banking and Insurance

Did you shop around for your bank?

Do you balance your checkbook?

Do you believe a penny saved is a penny earned?

Do you feel banking online is safe?

Do you have a jar or bank where you keep change? How much do you think is in it?

Do you have a joint credit card account?

Do you have a joint savings account?

Do you have a vacation savings account?

Do you have any bills set up to automatically withdraw from your checking account each month?

Do you have three months salary in savings?

Do you know how much money you have in your checking account right now?

Do you know how much you have spent each month before you get your bank statement and credit card bill?

Do you understand how interest is calculated on your savings account?

Does your bank offer free ATMS?

Have you ever bounced a check?

Have you ever ordered checks from somewhere other than your bank?

How many checks do you write a month?

How many times a month do you use the ATM? Is there a fee for ATM usage at your bank?

How much do you pay in banking fees each month?

Is your banking account situation working out well for you?

What do you look for when choosing a bank?

What style of checkbook do you have?

What style of checks do you have?

When do you use the money in your savings account?

When is a rainy day to use your rainy day fund?

Would you rather write a check or use your debit card?

Do you ask your insurer for discounts for risk reducing behaviors?

Is life insurance worth the money in your opinion?