Friends Money Quiz - EnvelopeBudget

Which Friends character matches your money habits? Answer these questions to find out!

1. How do you approach your monthly budget?

I meticulously plan every expense in a spreadsheet, tracking every penny. I try to budget but often splurge on something I really want. I set aside money for necessities, but I'm not above spending on random gadgets. I have a strict budget, color-coded and organized by category. Budget? I just spend what I have and hope for the best! I budget loosely, prioritizing experiences or causes over material things.

2. What's your go-to splurge?

Books or museum memberships—knowledge is worth it! Designer clothes or accessories; I deserve to look fabulous. Electronics or quirky collectibles for my apartment. High-quality kitchen gear or dining experiences. Food—pizza, sandwiches, you name it! Unique thrift store finds or donations to a cause I love.

3. How do you handle unexpected expenses?

I dip into my carefully maintained emergency fund. I might borrow from a friend or put it on a credit card. I grumble but pay it, maybe cutting back on takeout for a bit. I reorganize my budget to cover it without breaking a sweat. I hope someone else can cover it or I'll figure it out later. I find a creative way to make it work, like bartering or DIY.

4. What's your attitude toward saving for the future?

I'm all about long-term savings—retirement is planned to a T. I save a little, but I'd rather live in the moment. I save decently but worry I'm not doing it right. I have multiple savings accounts for every possible goal. Save? I'll worry about that when I'm old! I save what I can, but I trust the universe will work it out.

5. How do you decide on big purchases?

I research extensively and weigh all pros and cons. If it feels right and looks good, I go for it! I overthink it, make a pros/cons list, then buy it anyway. I plan for it months in advance and stick to my budget. If I want it, I buy it—no questions asked! I only buy if it aligns with my values or brings good vibes.

6. How do you react to financial stress?

I analyze the problem and make a detailed plan to fix it. I stress out but treat myself to feel better. I make jokes to cope but secretly panic. I take control, cut expenses, and organize everything. I shrug it off and assume it'll work out somehow. I stay calm and trust things will fall into place.

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Friends Budgeting Quiz

1. How do you approach your monthly budget?

2. What's your go-to splurge?

3. How do you handle unexpected expenses?

4. What's your attitude toward saving for the future?

5. How do you decide on big purchases?

6. How do you react to financial stress?

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