You’re probably a “stickler.” You have a budget and you’ll do anything to stick to it. In many ways, you’re doing a good job, but you probably don’t need to be worrying about money as much as you do.

Try to automate your financial life as much as possible—from budgeting to bill payments, there’s an app for it. Free up some of your energy and remind yourself that money isn’t the most important thing. Your friends and family will thank you for it!

You’re what we can an “idealist.” You can be overly optimistic about your finances and think you have more money than you actually do. Budgeting efforts can often fall flat because you don’t like to face your financial reality head on.

The best thing to do is to start tracking your spending. Go into your bank account online and go over your last month’s expenses. Next, calculate your debt-to-income ratio and start finding ways to unlock savings so you can plan for your future. Put your optimism to good use!

It sounds like you’re a procrastinator. You understand the need for a budget but, for many reasons, you have trouble reconciling your current spending habits with your future goals. The truth is that you need to change the way you think about money.

Our advice is to start small. Go over all your monthly expenses and ensure you’re living within your means. When it comes to debt, calculate your debt-to-income ratio and start by reducing small debts so that you gain confidence.

When it comes to budgeting, you are what we call an “architect.” Your lifestyle and behaviours have been structured in a way that helps you avoid overspending, save money and enjoy the things you love most.

Well done! You are probably an intuitive budgeter who has, in many cases, organized their bill payments, savings goals and debt management so that they seem effortless. The next stage of your evolution is to continue automating financial obligations and maximizing your savings efforts.