IF YOUR AN­SWERS ARE…

Women's Weekly (Malaysia) - - Money Matters -

Mostly A

You’re a Spender. You spend all you earn – some­times, more than you earn. You of­ten buy friv­o­lous or lux­ury items you can’t af­ford.

“A fi­nan­cial ad­vi­sor can help you im­ple­ment strate­gies and guide you on how to max­imise sur­plus, fast-track your debt re­pay­ment and di­rect spend­ing more wisely,” Leah says. For­mu­late a sav­ings plan, and stick to it.

Mostly B

You’re a Saver. You are good with money and reg­u­larly set some of your in­come aside to cre­ate a cush­ion in case an emer­gency crops up.

“Savers are a step ahead,” says Leah. “They will reach their goals faster, es­pe­cially if they di­rect their sav­ings to the right places and achieve a re­turn on in­vest­ment.” Well done mang­ing your fi­nances – keep up the good work!

Mostly C

You’re a Stasher; an ex­treme saver who wor­ries too much about money in the fu­ture to en­joy what they earn.

“Money is like a drug to a stasher. Once they feel the eu­pho­ria of wealth start­ing to ac­cu­mu­late, they can’t stop,” Leah says. “Un­for­tu­nately, they work so hard they for­get to in­vest time in re­la­tion­ships and life in gen­eral.”

Mostly D

You’re a Dreamer, with big dreams for a suc­cess­ful fi­nan­cial fu­ture, but you’re re­luc­tant to put in any hard work. You ex­pect money to flow to you, but that’s not how fi­nance works.

“It’s never too late to make smart fi­nan­cial choices, so if you’re feel­ing the pinch, speak to a fi­nan­cial coun­sel­lor or ad­vi­sor, pronto!” Leah says.

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