How Well Behaved is Your Credit Card?

Click on the cards below to see which one you think is yours, then take MAX's test to see MAX's opinion and what she recommends...

MAX's test

Which of these describes your credit card balances?

I'm up to the limit and need to borrow or use other cards to make the minimum payment

I keep spending on the card but only make the minimum payment. The balance is increasing every month

I pay off more than the minimum amount, but spend more so the balance keeps increasing month by month

I pay off more than the minimum amount, but the balance increases with big events like holidays and Christmas and car repairs

Cards are just for convenience. I pay the full balance off every month or occasionally spread it over one or two months, still clearing it all before I'm charged serious interest

When I see the price of something I want, I DON'T work out how long it would take me to save up to buy it or even how long I have to work to earn it BECAUSE:

	I do work it out.
	I seldom spend more than I earn and never borrow, so I only buy things I can afford but I don't bother to work out how long it takes.
	I can see this might be useful to know, but I don't know how to work out how long I have to work (or wait) to earn the price of things.
	I don't understand how this would help. I buy good stuff at competitive prices and pay with credit cards.
	I've never thought of it this way before, but it would make me think twice about buying some things.
	If I worked this out it would stop me buying things, and I don't want to.

How do you use Your Card? (Tick ALL that apply)

	I get charged interest on more than one credit card most months?
	I usually spend more on my credit card than I can pay off in the month?
	I usually spend more in a month than I mean to?
	I often buy things that I later regret buying?
	I DON'T usually decide before I buy, whether it's a "necessity" or a "nice to have" or a special luxury? I just get stuff I want.
	I DON'T think about whether something is good value for money?
	I buy presents for others because I think they will like me better, or because I can't say what I feel.
	I buy things because I'm bored or unhappy or because it makes me feel better, so the cost isn't important.
	I buy things because I'm bored or unhappy or because it makes me feel better, so the cost is not important.

Your credit card monster is:

	This Devil card has you under its control and urgently needs to be tamed!
	If this Destructive card is not controlled soon it will control you!
	This card is leading you astray, and you need to be more careful!
	Mostly good humoured, but can start down the slippery slope if you don't watch it!
	This card is really under your control, but it's very tempting to over use it!

From the answers you have selected, here are my recommendations:

It seems that you understand the value of things. This enables you to keep a grip on your spending and keep it real. Well done!
If you want to spend less, or differently, I can help you understand what spending gives you, and help you make spending decisions from a bigger perspective. This should help give you more of what you are looking for from your money.
On my Cool Tools page you will find an easy to use Calculator that will tell you how long you have to work or wait to receive the cost of what you are deciding to buy. TRACK will help you make sure you only "spend what you intend".
From entering a few easy numbers in my RUA slave to your stuff calculator you get an instant figure of the real cost of something. TRACK would help you get real with your money, and avoid big debt problems.
My RUA slave to your stuff calculator on my Cool Tools will enable you to see the real cost of your decision very clearly. TRACK will help you plan your spending so you end up with more to show for your money. My Mentor program will help you face your difficult situations and sort them out more easily.
My RUA slave to your stuff calculator on Cool Tools and TRACK will help you make spending decisions that will be more in your best interests. My Mentor program will help you face your difficult situations and sort them out more easily.
I will show you how to explore other options to make better decisions.
From your income and spending, my TRACK tool will easily show you where you will end up. It will also help you to work out how to bring your money back under control.
I have some really COOL ways of helping you stick to your plans and feel really good about it!
I can show you some WHACKY ways to make sure you only buy things you're going to be happy with - for all the right reasons!
I can show you how to stand up for yourself, in a nice way, and for everyone to feel better about it!
I can help YOU work out how to get the best from your money.
Spending time with me will enable you automatically to be more aware of the value of things, and make decisions that work better for you.
I can help you value yourself and others for your "qualities", rather than the amount of money spent on presents.
I can help you discover and understand your real needs and how to take steps to start fulfilling them in a more satisfying way.

terms and conditions

How Well Behaved is Your Credit Card?

Click on the cards below to see which one you think is yours, then take MAX's test to see MAX's opinion and what she recommends...

MAX's test

Which of these describes your credit card balances?

When I see the price of something I want, I DON'T work out how long it would take me to save up to buy it or even how long I have to work to earn it BECAUSE:

How do you use Your Card? (Tick ALL that apply)

Your credit card monster is:

This Devil card has you under its control and urgently needs to be tamed!

If this Destructive card is not controlled soon it will control you!

This card is leading you astray, and you need to be more careful!

Mostly good humoured, but can start down the slippery slope if you don't watch it!

This card is really under your control, but it's very tempting to over use it!

From the answers you have selected, here are my recommendations: