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    DebtSmart® Financial Compatibility Test
    by Scott Bilker
    Scott Bilker is the author of the best-selling books, "Talk Your Way Out of Credit Card Debt", "Credit Card and Debt Management", and "How to be more Credit Card and Debt Smart". He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter (http://www.debtsmart.com). Sign up today!

    Scott BilkerIt is well known that money is the #1 reason for divorce! Money is very important in your relationship. It’s the blood that flows through the financial veins of the family. If there is a problem with its flow, everyone in the family will suffer!

    Take this test with your spouse/partner to see how compatible your philosophies and monetary strategies are when dealing with money and debt!

    You both need to take the test without looking at the answer key, or each other’s answers. Print two tests, one for each of you. Circle your answer for each question then, after both are completed, click on the link for the score key (at bottom of this page) and calculate your score.

    1)

    I think that my parents were very good with handling money. 
    True    False

    2)

    Looking back I feel that I was good at handling money when I was younger (ages 10 to 17). 
    True    False

    3)

    I believe that money is very important to our relationship.
    True    False

    4)

    I think it's best if only one of us handles the actual paying of bills (writing the checks) rather than taking turns. 
    True    False

    5)

    We both should decide on purchases that cost over $200.
    True    False

    6)

    If you were given $50,000 with the condition that you could either buy stuff or use it to take one-year off from working to spend together, would you use it to spend time together?
    True    False

    7)

    Credit cards are bad and can only destroy us. 
    True    False

    8)

    Our bills are piled on the kitchen table. 
    True    False

    9)

    We both have a formal budget that we have created and we stick to it.
    True    False

    10)

    Even if one of us actually writes the checks to pay the bills, both of us know the details of all the accounts. No surprises.
    True    False

    11)

    Saving is more important than spending. 
    True    False

    12)

    We should spend at least 1 to 2 hours each week looking at the detailed costs of our credit cards and their balances.
    True    False

    13)

    The goal of life is happiness. 
    True    False

    14)

    It's worth the effort to shop for the absolute best mortgage rate when making a home purchase. 
    True    False

    15)

    It's okay if we pay our bills late once or twice, just as long as we don't make a habit out of being late. 
    True    False

    16)

    It's best that we both have separate checking accounts.
    True    False

    17)

    It's best that we have individual credit card accounts and pay our individual bills rather than having combined money. 
    True    False

    18)

    The money I earn is mostly mine to spend. 
    True    False

    19)

    I have the final say on all purchases. 
    True    False

    20)

    I don't spend more than a few dollars without discussing it with my spouse. 
    True    False

    21)

    I am not allowed to spend more than a few dollars without asking my spouse for permission. 
    True    False

    22)

    We should definitely use the computer to organize our finances.
    True    False

    23)

    It's okay to buy groceries with a credit card. 
    True    False

    24)

    Money can buy financial happiness. 
    True    False

    25)

    At some point in my life I want to invest in the stock market.
    True    False

    26)

    Saving for retirement is very important. 
    True    False

    27)

    If we didn't have any money, I would still love my (spouse/partner/boyfriend/girlfriend) just as much.
    True    False

    28)

    If I had to, I would borrow money from friends or family.
    True    False

    29)

    If asked, there are certain friends or family members that I would lend money to. 
    True    False

    30)

    Is it smart to have $3,000 in a savings account earning 3% if you have $3,000 in debt at 5.9%? 
    True    False

    31)

    I know exactly how much debt we have. 
    True    False

    32)

    I know exactly how much money we have in our bank accounts.
    True    False

    33)

    We should always balance our checking account. 
    True    False

    34)

    Brand-name products are always superior. 
    True    False

    35)

    I think we should always buy new cars. 
    True    False

    36)

    I think we should always lease cars.
    True    False

    37)

    I think we should always buy reliable used cars.
    True    False

    38)

    When buying or receiving a gift, is it really "the thought that counts"?
    True    False

    39)

    Cutting (and using) coupons is a waste of time.
    True    False

    40)

    We should attempt to pay off all bills in full by their due date.
    True    False

    41)

    Spending $60 to go out to dinner is reasonable.
    True    False

    42)

    I think it is okay to eat out 3 or more times per week.
    True    False

    43)

    Would you call someone that is meticulous about saving a "tightwad"?
    True    False

    44)

    I always review every detail of our taxes before filing.
    True    False

    45)

    My spouse handles all the taxes.
    True    False

    46)

    One of us is better at handling money than the other.
    True    False

    47)

    I think we both have the same financial dreams.
    True    False

    48)

    I like to have at least $100 cash on me all the time.
    True    False

    49)

    It's better to have cash stored in the house than deposited in the bank.
    True    False

    50)

    When we go out to dinner, it's my money that pays the bill.
    True    False

    51)

    When we go out with other couples, it's best to split the bill rather than itemize.
    True    False

    Check your results with the Score Key!