What type of saver are you? | Money quiz | YBS

Add up your score to see if you're mostly As, Bs or Cs. Then, explore our tips which could help you with your saving habits.

Mostly A: Impulse spender
You’re living month to month, without doing much in the way of saving – and you’re not alone – the one in ten people don’t have any savings to fall back on.
Even before rising living costs, it can be hard to stick to a strict budget and deny yourself things you want. But don’t fret, you may not have to change your lifestyle too much to take positive steps towards saving.
Tips for impulse spenders
Don’t punish yourself too much, either. Saving can start slowly, with a little bit every month.

Mostly B: Strict saver
You’ve got a handle on saving and live to a clear budget. You’ve got the discipline to save instead of spending – but you might be a little concerned about the future.
Even comfortable savers are feeling the pinch of late. Recent research showed that nearly four out of ten people (39%) say they have had to dip into their savings during the past 12 months.
Tips for strict savers
Expanding your knowledge of different savings account types could help you get the most from the money you put away each month.
Tracking how close you are to reaching the figures you’ve set could keep you positive and upbeat about your achievements.

Mostly C: Credit cruncher
You may not enjoy saving – or you might not be able to. Falling back on credit can be a difficult habit to get out of.
It’s understandable to try and ignore money problems, but not taking stock of your finances could risk them slipping in future.
Plan how you’ll take steps – even small ones – to get yourself in a position to start saving. It can feel isolating when you’re worried about money, but facing it head on is a positive first move.
Tips for credit crunchers
That said, there might be ways you can make the road to payday a little less rocky. See these tips on reducing your household bills, or making your food shop cheaper.
Use our budget calculator to help you know what money you’ve got to spent, what you’ve got left over for any repayments, and what you might be able to save.
If you’re worried about being able to clear your debt, charities like StepChange might be able to offer you impartial advice.