What keeps you from saving money?

Uncover your Toxic Spending Pattern

Identify the beliefs about money that have held you back for decades, even for a lifetime.

Fill this out and we'll e-mail your results

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You often justify unnecessary purchases because... *

A- You had a coupon, discount code, or rewards points.

B- The item was a perfect addition to your collection.

C- You felt good when you bought it.

D- You never got to have things like this growing up.

E- You don’t have to justify purchases; it’s either an aligned ‘yes’ or a clear ‘no’.

F- You rarely make unnecessary purchases. You only purchase ‘needs’ and a few ‘wants’.

Immediately after making a purchase, you often think… *

A- “I’m getting a great deal! I’m saving a ton of money!”

B- “This is fine for now, but I’ll keep looking for a better version.”

C- “This will keep me from having to deal with (insert issue - picky eaters, relationship conflict, stressful task, etc) for a while.”

D- “If I don’t get this now, I might not find it again.”

E- “Great. I got everything on my list and nothing extra.”

F- “That was right on target with my budget, and not a penny more.”

Why haven't you reached your savings goal? *

A- You have a hard time passing up a good deal.

B- You can’t stop buying things you don’t need.

C- You shop or eat out when you feel intense emotions like happiness, sadness, anger, or fear.

D- You have a hard time telling yourself “no” or you have a hard time saying no to your kids.

E- It's in progress! You're on track to hit your goal within the next year.

F- You consistently max out your retirement contributions, have an emergency fund of 6 months of living expenses, and a healthy stash of “play money” in your bank savings account.

You buy things you don’t need because… *

A- Getting a great deal makes you feel special.

B- Buying the perfect item makes you feel fulfilled and satisfied, albeit temporarily.

C- It keeps you from feeling frustrated or defeated when life is stressful.

D- You’re afraid of missing out.

E- You’ve designated it as a reward for reaching your financial goal.

F- It’s already built into your monthly budget.

You could reach your savings goal if… *

A- You did a savings challenge with a competitive group of Spenders.

B- You didn’t need to buy anything else because you already had everything you needed.

C- Your life wasn’t so stressful and you weren’t always ‘putting out fires’.

D- You could live in the moment without fear or worry for the future.

E- Your savings goal was clear and you had a strategy to reach it.

F- You felt like there was an amount that could ever feel like “enough”.

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