What’s your relationship with money?
Our relationship with money is shaped in early life, yet few of us are taught how to build a healthy one. Take our quiz to find out how your habits, emotions and mindset influence your finances.
Your relationship with money starts from a very young age and can shape everything from how you spend and save, to how you feel when you check your balance. The challenge many of us face is we were never taught how to build a healthy relationship with money.
So, if you’re unsure how habits, emotions or mindset are affecting your finances, or want to build a better relationship with money, take our quiz to find out where to start.
What is my relationship with money?
Take the quiz to find out what your relationship with money is like and how to improve it for the future.
How to improve your relationship with money
No matter your result, here are some simple tips to build a healthier mindset:
Build financial self-awareness
When it comes to money, even those who are finically savvy have room to learn. In our financial literacy review, we found financial confidence is built from understanding and not income. With 71% of Brits claiming not to know how a savings account works and 19% running out of money each month, it’s clear wherever you sit on the financial knowledge ladder, there’s always more you can do to go up a rung. go up a rung.
You could start by thinking about your own relationship with money and how this could be showing up in you spending habits. Do you impulse buy or spend emotionally? If so, what triggers it, and could acknowledging and thinking before you purchase create new, healthier spending habits?
Create simple systems
If managing money feels overwhelming or complicated, start simple. You can begin with a basic budget and have weekly check-ins to see if you’re sticking to it. If you’re in a position to save, you can automate money directly after payday into a savings account so you are consistent about building a separate pot to meet your goals.
Easy budgeting plans
Following a simple structure like the 50/30/20 rule, where you put 50% of income towards needs (essential spending), 30% towards wants (discretionary income) and 20% towards savings. This could be a great starting point for improving budgeting behaviour.
Reframe how you think about money
Money isn’t just for spending. It can offer security freedom and choice. Managing your money often means you’re taking care of yourself today but also supporting yourself in the future.
Get support if you need it
If things feel overwhelming, there’s plenty of financial guidance and support available. Remember, improving your relationship with money isn’t about being perfect. It’s about understanding your habits, making small changes, and building confidence over time.
Help and support
Our Help and Support hub has more information and support to help with your money.
Money Helper
Advice and support from Money Advice Service, the Pensions Advisory Service and Pension Wise, all in one place.
Citizens Advice
Practical advice from a network of local and national charities.
FAQs
Answers to your most frequently asked money relationship questions.
Wherever you are on your financial journey, improvements can be made and your money mindset can be changed. Focus on being conscious about what you’re spending, consistent with savings and remembering money is not a taboo subject, you can be open and seek help or advice when needed. It only takes small steps to lead to long-term financial wellbeing.
Everyone’s relationship and signs may show up differently, but common signs are avoiding checking finances, from bank statements to online. Feeling financial anxiety or hiding your financial situation or spending from loved ones.
There are many factors which contribute to an individual’s relationship with money. Early upbringing, life experiences, income and social media can all shape your relationship with money.
If you feel stressed around the topic of money, avoid your finances consistently, or rely on emotional spending, it could be a sign of an unhealthy relationship with money.
This quiz is fully anonymous and for reflection purposes only. For individual financial advice, we recommend you speak to a professional financial adviser. You can find a financial adviser and further personal finance information at https://www.unbiased.co.uk/
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