Are you a Super-Stretcher or more of a Day Dreamer? Aviva is on a mission to help Britain save smarter and has created a nifty tool to help you discover your financial personality. They asked me to try using it and share my findings. This kind of thing really appeals to my geeky nature, so I was very happy to take part.
The tool doesn’t take long to use and comprises a set of questions about your spending and saving habits. There are ten different archetypes that you can emerge as once you’ve answered all the questions – these are presented as superheroes – and your results are complemented by tips to help you get even more out of your financial personality.
As both a freelancer and the family’s only earner, I like to think that I’m in control of my finances because I have to be, but will readily admit to worrying about what could happen if work were to suddenly dry up, so I was interested to see which one of the superheroes I am.
After filling in the basic details – namely my age group, gender and location – it was time to move on to the questions. The majority of these take the form of selecting an A or B answer or agreeing/disagreeing with statements about your approaches to things such as organisation, saving and expenditure.
Other questions deal with lifestyle choices and behaviours including whether you’re happy using technology, where you stand on use-by dates and whether you would make large purchases on credit. It also asks how you think your spending and savings habits compare to those of your friends.
Although I rarely manage to save much and worry a little about the future should things take a turn for the worse, I’m confident in my financial knowledge and savings skills and this was reaffirmed as I went through the questions. For example, I always shop around and only use my credit card if I know for sure that I’m going to be able to pay it off within a month.
I hoped that I’d come out as one of the more favourable superheroes and I’m pleased to report that I did! I’m The Oracle, don’t you know? My superpower is foresight while my nemesis is generosity.
I think this is a fair reflection; I do like to keep an eye on things and, having written a fair few blog posts on saving money in my time, guess that I pass on my ‘wisdom’ too. In terms of the generosity side of things, I used to be the complete opposite but probably overspend on the kids now, so that’s pretty accurate too.
Next week, I’ll be sharing some of my savings tips, so keep an eye out for them! In the meantime, you can join the conversation on social media by using the hashtag #SaveSmarter
Disclosure: this is a collaborative post.