Jasmine Birtles
Your money-making expert. Financial journalist, TV and radio personality.
What Kind of Spender Are You? Find Out Which Bird Matches Your Money Mindset
Vicky Parry
1st Oct 2025
At MoneyMagpie, we’re all about making your money work harder, smarter, and better for you. Whether you’re a saver, spender, hustler, or daydreamer, there’s a MoneyMagpie in all of us—and the first step to managing your finances with confidence is understanding your relationship with money.
This quiz dives beyond just how you shop or save. It will explore your attitudes to debt, budgeting, investment, and long-term planning. Your answers will reveal your unique ‘Money Bird’ type and guide you to the best parts of MoneyMagpie tailored to your personality.
Plus, once you finish the quiz, you can sign up for your full character report, packed with personalised money tips and frugal strategies to help you soar.
The Quiz: What Kind of Spender Are You?
Click on each number to reveal the answer options.
1. How do you approach financial planning for the next 10 years?
- A) I prioritise enjoying the present and reassess as needed.
- B) I have a structured long-term plan and investment strategy.
- C) I have some rough ideas, but nothing concrete.
- D) It feels too uncertain to plan that far ahead.
2. What role does money play in your identity?
- A) It’s a symbol of success and self-expression.
- B) It’s a tool for freedom and legacy building.
- C) It’s necessary, but I try not to let it define me.
- D) I have a complicated relationship with money.
3. How would you react to an unexpected windfall of £5,000?
- A) Splurge on something I’ve always wanted.
- B) Invest it or use it to reduce debt.
- C) Save some, spend some, but no major decisions.
- D) Feel anxious about the responsibility and delay action.
4. How do you typically manage your credit card payments?
- A) Minimum payments are fine; my lifestyle comes first.
- B) I always pay in full to avoid interest.
- C) I try to pay more than the minimum when possible.
- D) I tend to forget or avoid looking at the statement.
5. What’s your view on budgeting?
- A) Too restrictive; I prefer to be spontaneous.
- B) Essential. I have a detailed monthly and annual plan.
- C) I keep a rough mental tally.
- D) I’ve tried, but it never sticks.
6. What’s your investment philosophy?
- A) I’d rather enjoy my money now than tie it up.
- B) Diversify, plan, and think long-term.
- C) I’ve dipped in and out of investing with mixed success.
- D) Investing feels intimidating so I don’t really engage.
7. How do you feel when you check your bank account?
- A) I rarely do; it’ll sort itself out.
- B) Confident and in control.
- C) Occasionally nervous, but usually okay.
- D) I avoid it unless absolutely necessary.
8. How often do you talk about money with others?
- A) Openly. I like discussing what I’ve bought or plan to buy.
- B) Regularly, especially around planning and strategies.
- C) Sometimes, but I keep it light.
- D) Almost never. It’s too private or stressful.
9. What’s your biggest financial goal right now?
- A) Living well and enjoying life today.
- B) Building wealth and securing my future.
- C) Becoming more consistent and confident.
- D) Figuring out where to even start.
10. When faced with financial stress, what’s your instinct?
- A) Escape: go out, shop, or treat myself.
- B) Reassess and adjust my plan.
- C) Talk it over and try to problem-solve.
- D) Withdraw and avoid the issue.
Your Results: Which Money Bird Are You?
Mostly As: The Luminary is a Peacock – The Expressive Spender
You’re bold, social, and see money as a way to celebrate life and express who you are. But just a touch more structure could give you more freedom in the long run.
Mostly Bs: The Strategist is an Owl – The Master Planner
You’ve got your eye on the prize, whether that’s a pension pot, property portfolio or just peace of mind. You’ll love our investment guides and future-focused content.
Mostly Cs: The Realist is the Magpie in the Middle – The Practical Optimist
You’re grounded, sensible, and adaptable. With a bit more confidence and consistency, you could unlock real financial momentum.
Mostly Ds: The Wanderer is an Ostrich – The Reflective Avoider
Money might feel like a burden or a mystery—but understanding your habits is the first step toward freedom. We’re here to help you get back in the driver’s seat.
Got me smack on -phew! I’m doing ok. I’m Magpie.
Yeyyy! I was too.