When thinking about your personal finances, you might see them as falling into two main types:

Yes, day-to-day spending is harder to manage

No, I find them equally easy/hard to manage

I’m not really sure how much I have left

I’m comfortable and able to cover my expenses with ease

I’m able to cover my expenses but have to be careful with my spending

I sometimes struggle to cover my expenses

I have a clear understanding of how much I’ve spent each day

I have a general idea, but I’m not sure about the daily amounts

I don’t really know how much I’ve spent per day

I find it too complicated, stressful, or boring to track my spending

I don’t find it hard to track my spending

I don’t think it’s necessary to track my spending

I tend to spend about the same amount each day

I mostly spend small amounts, with occasional larger purchases

My day-to-day spending is unpredictable, varying a lot from day to day

I haven’t really paid attention to my day-to-day spending patterns

I check it regularly to stay on top of my finances

I check it before or after making a large purchase

I check it only when I’m worried about running out of money

I check it to see how much is available for day-to-day spending

Knowing how much I can safely spend each day

Overspending and running out of money before payday

Knowing how much to reserve for fixed expenses (bills, subscriptions)

Difficulty planning ahead because my day-to-day spending is unpredictable

Balancing spending so I can save or have money left for other things

Paying off my debt while managing day-to-day spending

Not saving enough for unexpected expenses or future goals

Spending too much on things that don’t matter

Struggling to pay off debt while covering other expenses

Uncertain and worried about whether my money will last until payday

Concerned about not saving enough, overspending, or paying off debt

I try to avoid thinking about my finances, hoping things will work out