Financial Personality Quiz Comments 2021 by Bernd Meyer https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k Once you have completed the Payoff Financial Personality Quizes, post the recommendations made for you onto this wall. en-us 2021-02-02 05:16:03 UTC 2026-04-15 18:40:28 UTC hello@padlet.com Lachie https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185254971
  • Research and think about it before buying something. 
  • Look for lower prices online or in stores. 
  • Make sure you have the money for something and try not to take out loans. 
  • Get advice from trusted others on what they think about it. 
  • Is it worth the amount of money you are spending. 
    • ]]>     2021-02-10 01:05:50 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185254971     Archie https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185255654 make sure you money from your job is going into your bank 
    Make budget plans 
    keep on the of yours bills
    dont buy things you want need 
    buy cheaper things not expensive things   

    ]]>     2021-02-10 01:06:12 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185255654     Alella https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185257018
  • Do research on something that you're about to purchase.
  • Split your money into portion in savings and spending's.
  • Track your net worth
  • Don't purchase something long lasting and fancy that might just be popular right now but wont in a year
  • Set a budget

    • ]]>     2021-02-10 01:06:55 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185257018     Sarah https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185258042 Think carefully before purchasing and evaluate whether you need it

    See if there are better alternatives for any items you consider buying.

    Look at the reviews before making larger purchases.

    Try and make your hobbies affordable

    Try and not become jealous of other people's purchases

    ]]>     2021-02-10 01:07:30 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185258042     https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185258200 2021-02-10 01:07:36 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185258200 Lizzie https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185258207
  • Think about long term as well as short term 
  • Save 10% of your earnings into savings 
  • Invest in something like shares for long term instead of putting the money into a bank for a long time 
  • Think about things before you buy them and decide if you really need it 
  • Make food at home instead of buying food and drinks every day. 

    • ]]>     2021-02-10 01:07:36 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185258207     Roxy https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185258710
  • Find places that price match
  • Think about your long term goals not just short term
  • Have a savings account with a certain amount of your wage going into that account each week
  • Think about the quality of the item and if its worth buying a more expensive one that could last longer
  • Dont take loans where possible

    • ]]>     2021-02-10 01:07:53 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185258710     https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185259025 2021-02-10 01:08:02 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185259025 Tom B https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185259616
  • Research price before purchasing 
  • Try to make mostly necessary purchases, with the occasional personal purchase 
  • Put any money that is just sitting around into a higher interest account 
  • When shopping online, try to only buy from trusted retailers 
  • Avoid borrowing from high interest lenders, such as loan sharks and credit card companies 

    • ]]>     2021-02-10 01:08:20 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185259616     https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185259680 2021-02-10 01:08:22 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185259680 Tom D https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185259991 -Don’t go out and spend it all at once, out it in the bank or invest it  
     
    -Buy second hand stuff not always new  
     
    -look for lower prices  
     
    -research before you buy  
     
    -choose a less expensive hobby  
    ]]>     2021-02-10 01:08:33 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185259991     Lili https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185261172 (1) Think if you really need this item before buying it. 
    (2) Before buying anything do some research to see if you can buy your item for a lower price. 
    (3) Work hard and save your money before spending it on something
    (4) Don’t loan money
     (5) Pay all your bills on time.


    ]]>     2021-02-10 01:09:12 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185261172     Roisin https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185261604
  • Use 50% of you after tax money on your needs, 30% on wants and 20% into savings or paying off debt. 
  • Research a product and many versions of it before you buy one. 
  • Don't use boredom as an excuse to go out shopping. 
  • Set budgeting goals and give yourself a limit when needing to buy things such as groceries. 
  •  Think smartly when buying something consider its value and whether it will decrease, stay the same or  increase 

    • ]]>     2021-02-10 01:09:27 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185261604     Jack S https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185261727 2021-02-10 01:09:31 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185261727 https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185261860 2021-02-10 01:09:36 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185261860 Ella https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185262890
  • think about the things you need and things you want 
  • Don't spend a big amount of money as soon as you get it, try to save it  
  • Before buying things research what your buying so you don't regret  buying it later  
  • Save the money you earn so you can buy better thongs or things you actually need  
  • Save up your own money so you don't need to borrow money so you're don't go into 

    • ]]>     2021-02-10 01:10:11 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185262890     Macy https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185262961  1.) Think about if its a need or want
    2.) Don't spend a huge amount of money when you receive it
    3.) before buying things research about them before buying it to make sure its what you need.
    4.) save your money so you can buy better things
    5.) save up your own money and don't loan from family or friends so you are not always in debt
    ]]>     2021-02-10 01:10:13 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185262961     josh https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185265635 Check the internet and reviews before buying something 
    Get an older car then a brand new one because newer cars lose value quicker 
    Try to only use cash
    Keep on top of bills and pay on time 
    Try to keep on top of loans and pay back as soon as possible  
    ]]>     2021-02-10 01:11:43 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185265635     https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185265734 2021-02-10 01:11:47 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185265734 https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185265857 2021-02-10 01:11:51 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185265857 Nina :) https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185265910
  •  Always consider the long term pros and cons of what your buying before purchasing it. Is    this item useful to you for the long term or are you just buying it now for the short term.  
  • Consider the price of everything. Can you get this item for cheaper somewhere else? 
  • Before you shop for clothing at retail always go looking for it in an op shop or thrift shop. You're not only finding it cheaper, your benefiting the environment and helping out a local charity.  
  • Keep a spending diary or track your purchase for each months spending's. 
  • Saveeeeeee 
    •  

    ]]>     2021-02-10 01:11:53 UTC https://padlet.com/bmeyer1961/lz65bj7wpoqorq1k/wish/1185265910