To find out if you need to change your relationship with money,
answer these 29 questions and press the SCORE button.

1. I dread sitting down and paying my bills.
   Most of the time    Sometimes    Seldom

2. I spend more as I make more money.
   Most of the time    Sometimes    Seldom

3. I feel a little intimidated by well-to-do people.
   Most of the time    Sometimes    Seldom

4. I use money to celebrate or reward myself.
   Most of the time    Sometimes    Seldom

5. I find myself arguing over money.
   Most of the time    Sometimes    Seldom

6. I exaggerate the amount of money I have.
   Most of the time    Sometimes    Seldom

7. I am tense and my stomach is in knots when I think about my finances.
   Most of the time    Sometimes    Seldom

8. I get upset when people don't pay their loans back.
   Most of the time    Sometimes    Seldom

9. I buy things on credit cards that I know I can't pay for when the
   statement comes in.
   Most of the time    Sometimes    Seldom

10. I get a little worried when I hear of possible layoffs or about the economy
    taking a downturn.
    Most of the time    Sometimes    Seldom

11. I am envious of the amount of money others have.
    Most of the time    Sometimes    Seldom

12. I get confused when making money decisions.
    Most of the time    Sometimes    Seldom

13. I think that getting a large sum of money will solve all my money problems,
    like winning the lottery or a large inheritance.
    Most of the time    Sometimes    Seldom

14. I get concerned when the stock market goes down.
    Most of the time    Sometimes    Seldom

15. I try to keep up with others.
    Most of the time    Sometimes    Seldom

16. I have a habit of waiting to the last minute to pay bills. It could be
    waiting til I get reminder calls, filing an extension on my income taxes,
    or running down to the utilities company before I get a late fee.
    Most of the time    Sometimes    Seldom

17. I feel sorry for those who have less money.
    Most of the time    Sometimes    Seldom

18. I buy on impulse, deciding I have to have something the minute I see it.
    Most of the time    Sometimes    Seldom

19. I struggle to get ahead. It's always something that gets in the way.
    It could be as simple as having to replace the hot water heater, fixing
    the car or a health insurance rate hike.
    Most of the time    Sometimes    Seldom

20. I have excuses for not making or following a budget, like "I don't have
    a fixed income," "I can't pay my bills now" or "I'm not that deciplined."
    Most of the time    Sometimes    Seldom

21. I have regrets over my past financial decisions, thinking I could have
    spent my money wiser.
    Most of the time    Sometimes    Seldom

22. I worry about my future ability to make ends meet.
    Most of the time    Sometimes    Seldom

23. I find myself judging others' financial decisions.
    Most of the time    Sometimes    Seldom

24. I don't take time to appreciate what I have, always wanting more.
    Most of the time    Sometimes    Seldom

25. I try to get attention using my money, whether it's picking up the tab,
    or bragging about my new car.
    Most of the time    Sometimes    Seldom

26. It annoys me when others are stingy with their money.
    Most of the time    Sometimes    Seldom

27. I nickel and dime my money away.
    Most of the time    Sometimes    Seldom

28. I loan money to others, expecting them to pay it back as promised.
    Most of the time    Sometimes    Seldom

29. I spend money when I need a pick-me-up.
    Most of the time    Sometimes    Seldom