2 Attitudes About Money

05
INCHARGE DEBT SOLUTIONS • WWW.INCHARGE.ORG
DETERMINING YOUR SCORES
Your scores will help you identify your money personality profile. The higher 
the number for each profile, the more this tendency may motivate your money 
behavior. It’s okay to be high in several profile areas. It just shows that your financial 
decisions are based on a variety of motivators or beliefs. The closer together the 
totals, the more balanced you may be in your motivators. If you have one or two 
profiles that have high numbers, it may mean that your financial decisions are more 
strongly influenced by those motivators. Now, score your answers. 
a. Add up the number of your “a” statements and put your total here: 
______ Frugal Focus 
b. Add up the number of your “b” statements and put your total here: 
______ Pleasure Focus
c. Add up the number of your “c” statements and put your total here: 
______ Status Focus 
d. Add up the number of your “d” statements and put your total here: 
______ Indifference Focus
e. Add up the number of your “e” statements and put your total here: 
______ Powerful Focus 
f. Add up the number of your “f” statements and put your total here: 
______ Self-Worth Focus
This exercise is modified and reprinted from 4HCCS BU-07710 2002, Money Fun-damentals; 
“Money Personality Profile”. With permission of the National 4-H Cooperative Curriculum 
System, Inc. © (2004) 4HCCS. Attitudes About Money 
NOTE: ANY OF THESE “PERSONALITIES” MAY HAVE POSITIVE AND NEGATIVE TRAITS

---

06
INCHARGE DEBT SOLUTIONS • WWW.INCHARGE.ORG
DEFINITIONS
FRUGAL
• Loves to hold and save money 
• Believes that money is security 
• Saves money because it provides some protection against uncertainties 
• Being good at budgeting, prioritizing, and waiting until things are on sale. 
PLEASURE
• Loves to spend money on whatever will make them happy 
• Doesn’t like saving 
• Being generous to themselves and others 
• Borrows money to spend now 
STATUS
• Having money and “things” bring happiness
• Thinks more money and “things” will bring more happiness
• Believes that people can’t be happy without possessions 
INDIFFERENCE
• Avoids money
• Feels nervous about money
• Rather spend time on things they enjoy doing, such as hobbies, sports, 
outdoors 
POWERFUL 
• Wants to make things happen
• Believes money is power, the more one has the more powerful he/she will be
• Believes money makes one feel in control of his/her life
• Takes risks to make more money
SELF-WORTH 
• Measures own value by how much money one has
• Thinks people judge others on the amount of money they have
• Values how much they have accumulated, not relationships with other people 

---