Quiz: how frugal are you?

How savvy of a spender are you? Take the annual BargainBabe.com quiz to find out. Answers below. Or take last year’s frugal quiz.

1. If an item you want is on sale but you don’t have a coupon, do you buy it?

a) Yes

b) No

2. How long do you weigh a purchase before buying?

a) Three minutes

b) Three days

c) Three months

3. My attitude toward budgeting is that it’s for

a) Finance whizzes

b) People with no money

c) Everyone

4. I have more than two credit cards.

a) True

b) False

5. My spending motto is

a) buy ahead of need

b) I’ll pay for it later

c) I can return it if I don’t like it

6. _______ are a girl’s best friend.

a) Diamonds

b) Cash advance checks from my credit card

c) IRAs

7. The interest rate on my main credit card is

a) Less than 15%

b) Less than 30%

c) It doesn’t matter because each month I play off my balance

8. I regularly clip coupons and use them.

a) True

b) False

9. I have never asked a merchant for a discount.

a) True

b) False

10. I compare prices before making a purchase.

a) True

b) False

11. Paying full price is worth it if

a) I’ll be the first of my friends to have it

b) If I can’t get it anywhere else

c) If”¦I can’t think of a reason.

12. When I get a really great deal

a) I tell all my friends

b) I might mention it if someone asks

c) I’m embarrassed to let anyone know

13. I have used one or more of the following sites (check as many as apply)

a) Ebates.com

b) Groupon.com

c) Restaurant.com

14. I shop at thrift stores

a) Never

b) Occasionally

c) Regularly

Answers:

1. a — 0, b — 2

2. a — 0, b — 1, c — 2

3. a — 1, b — 0, c — 2

4. a — 0, b — 2

5. a — 2, b — 0, c — 1

6. a — 1, b — 0, c — 2

7. a — 1, b — 0, c — 2

8. a — 2, b — 0

9. a — 0, b — 2

10. a — 2, b — 0

11. a — 0, b — 1, c — 2

12. a — 2, b — 1, c — 0

13. a — 1, b — 1, c — 1

14. a — 0, b — 1, c — 2

Super savvy spender (20-29 points) — You are the master of your credit card, a coupon queen, and a savvy shopper. You have a nose for bargains and aren’t afraid to ask for a discount. Keep it up!

Sometime saver (10-19 points) — You are on the fence when it comes to saving money. At times you use self-control, weighing purchases before buying a sale item with a coupon. But at other times you splurge impulsively and threaten your budget. Remind yourself of your financial goals to strengthen your saving urges.

Budget blunder (0-9 points) — Saving money is apparently not a priority — but it can be if you pay greater attention to where you are spending. Drag out your credit card statements from the past 12 months and add up how much you spent on housing, eating out, groceries, travel, saving, and other categories. How does your big spending picture look? Is there anything you want to change?

What was your score???