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Should you come to Stephanie's Money Trouble Dinner Party?

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You're invited to attend Stephanie's Money Trouble Dinner Party. Please take the short quiz to determine your need for attending this party. Answer the questions honestly. If you receive a low score, you need to attend. If you receive a high score, all of us who received a low score need YOU to attend so you can share your secrets for managing money. Think about the answers you submit to these questions, we will talk about them at the party. Oh, and you'll get a free meal cooked by yours truly.

1

In the next ten years you see yourself...

Not worrying about money because I've been following a budget for the past 10 years.
Feeling better than I do today about financial issues, but still struggling.
Owning a home (in the Bay Area) and looking into investments.
Living on the street.
Paying bills on time and surviving, but still trapped beneath a mountain of student loan debt/car loan debt/credit card debt.

2

When I receive my pay check I usually...

Set aside money for necessities like food, transportation and spending money - THEN I pay my bills.
Review my checking account balance and start paying bills before I spend anything on myself.
Go shopping for all of the things I've determined I MUST HAVE over the past two weeks since I received my last pay check.
Pay all of the bills due that half of the month, and then determine the weekly amounts I have budgeted for spending.
Have nothing left after all of my bills are paid.

3

When I take cash from an ATM...

I look at receipts on the ground near the ATM and fantasize about having that much in my account, then I crumple the receipt before I have to see my own balance.
I don't use the ATM. I take cash from the bank once a month and set my budgeted amount of cash aside until my next pay check.
I check the balance on my receipt to see that it matches the balance in my check register, and then deduct that amount from my current balance.
I don't look at the receipt, but I put it in my wallet with all of the other receipts I've been saving since last November, thinking I'll check it at some point, like when my rent is due.
I usually take out at least $100, especially if I'm going to get charged $2 to use the ATM.

4

I balance my check book...

Each time I receive a bounced check.
I don't write checks - I just use my check card - so I don't need to balance my check book.
I don't have any money, so why would I balance my check book?
Once a month, when I receive my bank statement.
Once a week, against all of the receipts I've saved over the week, just to make sure my balance matches my spending and budget.

5

I have been sticking to my current budget since...

I got my current job/pay increase. I have budgeted everything I need to spend, in order of importance.
I don't bother with a budget because I know I'd never adhere to it.
I reviewed my last budget and realized it wasn't working for me.
I created one last week when I was bored at work, but I haven't implemented it yet.
I don't have a budget. I just spend until I have nothing left.

6

When people talk about their 401k, investments, savings plans, mortgages, retirement, tax deductions or the stock market...

I get involved in the conversation, I'm sure others could learn from my experiences.
My eyes get glassy and I hear a buzzing sound in my ears.
I listen intently, hoping I'll pick up on something I can remember and apply to my own system.
I don't pay attention because none of that stuff applies to me.
I quietly walk away and try to find a television with cable so I can watch E! Entertainment News.

7

When I think about my money situation...

I don't usually think about it - why bother with something that's only going to make me depressed?
I think about myself begging for money and food on the street, because that's where I'm surely headed.
I get nauseous when I think about money, so I do whatever I can to not think about it. But it haunts me, and I'm scared.
I don't worry about money, because I'm pretty confident that I'm doing well with my current system.
I think about what I can do to alter my financial plan to better match my current income and long-term goals.

8

My parents/upbringing taught me the following about money...

Avoid bills if you can't afford to pay them now, eventually someone will call you and remind you to pay them.
Pay yourself first (savings), you'll thank yourself later; Review your finances regularly; Don't ask us to borrow anything, ever.
Pay everything on time, even if it means eating beans and rice until payday - there's nothing worse than late bills.
Don't be afraid of money, it's only one of the tools you'll have to accomplish what you want.
If you need some help, call us.

9

___% of my monthly income (after bills) usually goes to things such as: Meals eaten out; new clothes/shoes/accessories; expensive electronic gadgets; cigarettes and alcohol; bath and body products I truly believe will alter my life... even though they are 6x more expensive than the store brand; paying off my credit card debt.

60%
100%
I have no idea.
5%
25%

10

If I was invited to attend a dinner party with other people in my same situation were there sharing their stories about how they manage their money... or don't manage their money... I would...

Be humiliated at first to talk about money, but hopefully I'd open up and learn something.
Go for the free food.
Probably have a lot of information to share, I'm pretty good with money.
Rather die a horrible, painful death... alone... in the barren desert of my frustration.
Bring a notebook and plan to take down everything I hear.

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